| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HCC LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DENTAL CARE PLUS GROUP | $4K | $0 | $4K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD, STE 200 METAIRIE, LA 70005 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 11.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD SUITE 200 METAIRIE, LA 70005 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 12.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 110 VETERANS MEMORIAL BLVD STE 400 METAIRIE, LA 70005 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 11.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 55.59% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR., SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 36.97% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN EILEEN SVARDA | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | $0 | $453 | 2.71% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | $0 | $324 | 1.94% |
| GERALD J DAVIS3 | 4525 SAINT ANDREWS CT MIDDLETOWN, OH 45042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | $0 | $267 | 1.60% |
| DANA DENISE LINDSEY3 | 400 POSEY LANE APT 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | $0 | $194 | 1.16% |
| KEVIN SVARDA3 | 140 WOLF CREEK CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
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 | 393 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS GROUP | 530 | $115K |
| Vision | STANDARD INSURANCE COMPANY | 208 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 393 | $73K |
| Short-term disability | STANDARD INSURANCE COMPANY | 391 | $99K |
| Long-term disability | STANDARD INSURANCE COMPANY | 193 | $62K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 205 | $518K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 148 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.