| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 312 ELM ST FL 24 CINCINNATI, OH 45202 | UNITED HEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 3.59% |
| BROWER INSURANCE AGENCY LLC3 Filed as: BROWER INSURANCE AGENCY -MMA LLC | 409 E MONUMENT AVE, SUITE 400 DAYTON, OH 45402 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE, MARSH&MCLENNAN | 409 E MONUMENT AVE DAYTON, OH 45402 | SUPERIOR DENTAL CARE INC | $3K | — | $3K | 3.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUPERIOR DENTAL CARE INC | $2K | — | $2K | 1.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $11K | 19.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 409 E MONUMENT AVE STE400 DAYTON, OH 45385 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 18.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC BROWER | 409 E MONUMENT AVE STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC BROWER | 409 E MONUMENT AVE STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $995 | — | $995 | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC BROWER | 409 E MONUMENT AVE STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $448 | — | $448 | 3.39% |
| USI INSURANCE SERVICES LLC Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $210 | — | $210 | 1.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $586 | $386 | $972 | 18.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | — | $193 | 3.72% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 237 | $1.1M |
| Dental | SUPERIOR DENTAL CARE INC | 364 | $89K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 275 | $13K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $95K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $76K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $48K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 237 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.