| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | COMMUNITY INSURANCE COMPANY | — | $21K | $21K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | — | $59K | 10.18% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN SVARDA ENTERPRISES, LLC | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 5.74% |
| MJ INSURANCE3 Filed as: BRIAN J. DAY AND VARIOUS AGENTS | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 2.76% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 2.05% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 7364 WATERWAY DRIVE WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.13% |
| GINA GEIGER ENTERPRISES LLC3 Filed as: GINA GEIGER ENTERPRISES, LLC | 2620 LIBERTY ELLERTON ROAD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.63% |
| MICHAEL R REBER3 Filed as: MICHAEL R. REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMIN RX MARGIN | Float revenue; Other fees; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $966K |
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 | 1,894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC | 4,850 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,665 | $255K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 3,660 | $1.6M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,886 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,850 | — |
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.