| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $8K | $1K | $9K | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 8.58% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $978 | $0 | $978 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 99.35% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 10.39% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR., SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 18.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.88% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | $0 | $677 | 7.95% |
| SUSAN SVARDA ENTERPRISES LLC3 | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER ATLEE ARTMAN | 102 POINTE VIEW DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| DANA DENISE LINDSEY3 | 400 POSEY LANE APT 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$173 | $0 | -$173 | -2.03% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN EILEEN SVARDA | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$302 | $0 | -$302 | -3.55% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 45042 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$355 | $0 | -$355 | -4.17% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 663 | $157K |
| Vision | STANDARD INSURANCE COMPANY | 262 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 501 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 499 | $158K |
| Long-term disability | STANDARD INSURANCE COMPANY | 208 | $79K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 153 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.