| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $9K | $234 | $9K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $888 | $2K | 8.93% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $699 | $67 | $766 | 10.96% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSUANCE COMPANY OF AMERICA | — | $350 | $350 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $412 | $65 | $477 | 7.33% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $295 | $295 | 4.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY | $598 | $93 | $691 | 13.69% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY | — | $230 | $230 | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $688 | $58 | $746 | 14.93% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | — | $230 | $230 | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $473 | — | $473 | 19.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $355 | $22 | $377 | 15.91% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $118 | $118 | 4.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 19 | $466K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 39 | $23K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 39 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSUANCE COMPANY OF AMERICA | 157 | $9K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSUANCE COMPANY OF AMERICA | 157 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.