| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $7K | $3K | $10K | 6.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 6.01% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR., SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.59% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $775 | $0 | $775 | 0.62% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN EILEEN SVARDA | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | $0 | $279 | 0.22% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 45042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.11% |
| DANA DENISE LINDSEY3 | 400 POSEY LANE APT 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.08% |
| SUSAN SVARDA ENTERPRISES LLC3 | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 11.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 13.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 11.49% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 640 | $146K |
| Vision | STANDARD INSURANCE COMPANY | 262 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 439 | $82K |
| Short-term disability | STANDARD INSURANCE COMPANY | 437 | $111K |
| Long-term disability | STANDARD INSURANCE COMPANY | 194 | $63K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 38 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.