| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRY GLASS3 Filed as: BARRY L. GLASS | 46 ABERFIELD LANE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.27% |
| MJ INSURANCE3 Filed as: MICHAEL R. REBER AND VARIOUS AGENTS | 8600 HIDDEN RIVER PARKWAY, SUITE 75 TAMPA, FL 33637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| HARRIET L GLASS3 Filed as: HARRIET L. GLASS | 46 ABERFIELD LANE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTER BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.23% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 7364 WATERWAY DRIVE WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.13% |
| KEVIN J. STEPP3 | 160 WORTHINGTON DRIVE GERMANTOWN, OH 45327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 16.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC. | $5K | — | $5K | 6.81% |
| BARRY GLASS3 Filed as: BARRY L. GLASS | 46 ABERFIELD LANE MIAMISBURG, OH 45342 | AFLAC | $3K | $51 | $3K | 6.18% |
| MJ INSURANCE3 Filed as: MICHAEL R. REBER AND VARIOUS AGENTS | 8600 HIDDEN RIVER PARKWAY, SUITE 75 TAMPA, FL 33637 | AFLAC | $2K | — | $2K | 3.13% |
| HARRIET L GLASS3 Filed as: HARRIET L. GLASS | 46 ABERFIELD LANE MIAMISBURG, OH 45342 | AFLAC | $651 | — | $651 | 1.35% |
| THOMAS L. HOLTZ3 | 6478 CENTERVILLE BUSINESS PARKWAY CENTERVILLE, OH 45459 | AFLAC | $480 | — | $480 | 0.99% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | AFLAC | $357 | $10 | $367 | 0.76% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTER BOULEVARD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $306 | $10 | $316 | 0.65% |
| KEVIN STEPP3 | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | AFLAC | $277 | $10 | $287 | 0.59% |
| BROWER INSURANCE AGENCY LLC3 Filed as: BROWER INSURANCE AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $862 | — | $862 | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $742 | — | $742 | 4.63% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7 | $16K |
| Dental(2 contracts, 2 carriers) | SUPERIOR DENTAL CARE, INC. | 347 | $93K |
| Vision | VISION SERVICE PLAN | 223 | $38K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $94K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $78K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 280 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.