| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | COMMUNITY INSURANCE COMPANY | — | $23K | $23K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 10.63% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN SVARDA ENTERPRISES, LLC | 7364 WATERWAY DRIVE WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 5.68% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 7364 WATERWAY DRIVE WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.40% |
| MJ INSURANCE3 Filed as: GINA GEIGER AND VARIOUS AGENTS | 2620 LIBERTY ELLERTON ROAD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.29% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE, SUITE 400 MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.47% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 8600 HIDDEN RIVER PARKWAY, SUITE 75 TAMPA, FL 33637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.89% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.80% |
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 | 1,162 | 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) | 1,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 2,463 | $12.3M |
| Dental | SUPERIOR DENTAL CARE, INC | 3,364 | $885K |
| Vision | VISION SERVICE PLAN | 1,111 | $180K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 2,463 | $12.3M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,239 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,364 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.