| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE CO | $30K | — | $30K | 4.55% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVE, STE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE CO | $18K | — | $18K | 2.77% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVE., STE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE CO | $14K | — | $14K | 2.07% |
| A ARTMAN3 | 102 POINTE VIEW DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE CO | $8K | — | $8K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE CO | $8K | — | $8K | 1.23% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE CO | $4K | — | $4K | 0.63% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE CO | $4K | — | $4K | 0.60% |
| J VETTER3 | 6680 POE AVE, STE 200 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 0.28% |
| K DAFLER3 | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 0.23% |
| B DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE CO | $1K | — | $1K | 0.18% |
| REBER MICHAEL3 Filed as: M REBER | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE CO | $957 | — | $957 | 0.15% |
| M CALICOAT3 | 24250 N. 23R AVE PHOENIX, AZ 85085 | CONTINENTAL AMERICAN INSURANCE CO | $851 | — | $851 | 0.13% |
| B DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE CO | $631 | — | $631 | 0.10% |
| GINA GEIGER ENTERPRISES LLC3 | 2620 LIBERT ELLERTON RD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE CO | $412 | — | $412 | 0.06% |
| I BRAYTON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE CO | $302 | — | $302 | 0.05% |
| T LARGER3 | 5116 STATE ROUTE 119 MINISTER, OH 45865 | CONTINENTAL AMERICAN INSURANCE CO | $262 | — | $262 | 0.04% |
| I PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE CO | $235 | — | $235 | 0.04% |
| H GLASS3 | 46 ABERFIELD LN MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE CO | $210 | — | $210 | 0.03% |
| J SMITH3 | 2900 CHALMAR DR BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE CO | $161 | — | $161 | 0.02% |
| J SMITH3 | 2900 CHALMAR DR BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE CO | $123 | — | $123 | 0.02% |
| J MCGINNITY3 | 1954 TURNBULL RD DAYTON, OH 45432 | CONTINENTAL AMERICAN INSURANCE CO | $114 | — | $114 | 0.02% |
| T GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE CO | $104 | — | $104 | 0.02% |
| G DAVIS3 | 11260 CHESTER RD, STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE CO | $81 | — | $81 | 0.01% |
| S MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE CO | $77 | — | $77 | 0.01% |
| D LINDSEY3 | 6680 POE AVE, STE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE CO | $73 | — | $73 | 0.01% |
| W ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE CO | $40 | — | $40 | 0.01% |
| S VOGEL3 | 6955 BECKETT CT CENTERVILLE, OH 45459 | CONTINENTAL AMERICAN INSURANCE CO | $37 | — | $37 | 0.01% |
| S BALL3 | 73 PENNSYLVANIA AVE GERMANTOWN, OH 45327 | CONTINENTAL AMERICAN INSURANCE CO | $23 | — | $23 | 0.00% |
| C EHRET3 | 2103 CRAB TREE DR BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE CO | $22 | — | $22 | 0.00% |
| M MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE CO | $22 | — | $22 | 0.00% |
| A PFEIFFER3 | 377 CLEARSPRINGS CT CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE CO | $13 | — | $13 | 0.00% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE CO | $9 | — | $9 | 0.00% |
| G GEIGER3 | 2717 MIAMISBURG CENTERVILLE RD STE 215 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE CO | $3 | — | $3 | 0.00% |
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 | 1,121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 5,574 | $1.7M |
| Vision | VISION SERVICE PLAN | 2,003 | $339K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE CO | 4,626 | $2.1M |
| Other | CONTINENTAL AMERICAN INSURANCE CO | 2,461 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,574 | — |
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.