| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HCC LIFE INSURANCE COMAPNY | $20K | — | $20K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY MIDWEST | 32332 COLLCATION CENTER DRIVE CHICAGO, IL 60693 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $270 | — | $270 | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NCY, LLC MARSH & MCLENNAN AGE | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $658 | — | $658 | 7.74% |
| ISES LLC SUSAN SVARDA ENT.3 Filed as: ISES LLC SUSAN SVARDA ENTERPR | 6680 POE AVENUE SUITE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $474 | — | $474 | 5.57% |
| GERALD J DAVIS3 | 11260 CHESTER ROAD SUITE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $73 | — | $73 | 0.86% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER ARTMAN | 102 POINTE VIEW DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $50 | — | $50 | 0.59% |
| DANA MARIE MOWATT3 Filed as: DANA LINDSEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $40 | — | $40 | 0.47% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SVARDA | 6680 POE AVE SUITE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $21 | — | $21 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $155K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45385 | $51K |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 462 | $104K |
| Vision | STANDARD INSURANCE COMPANY | 192 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 368 | $19K |
| Short-term disability | STANDARD INSURANCE COMPANY | 366 | $66K |
| Long-term disability | STANDARD INSURANCE COMPANY | 188 | $55K |
| Prescription drug | RXBENEFITS, INC. | 196 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMAPNY | 174 | $394K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 127 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.