| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $30K | $30K | 0.97% |
| ISES LLC SUSAN SVARDA ENT.3 | 6680 POE AVE., STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | $0 | $34K | 5.97% |
| NCY, LLC3 | MARSH MCLENNAN AGENCY LLC 409 E. MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | $0 | $31K | 5.42% |
| ISES LLC SUSAN SVARDA ENT.3 | 6680 POE AVE., STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.13% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.00% |
| NCY, LLC3 | MARSH MCLENNAN AGENCY 409 E. MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.85% |
| ISES LLC KEVIN SVARDA ENT.3 | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.43% |
| RISES LEE ROY YOUNG ENT.3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.42% |
| GERALD J DAVIS3 | 11260 CHESTER RD., STE. 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.35% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR. MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.28% |
| DANA MARIE MOWATT3 Filed as: DANA LINDSEY | 400 POSEY LANE. APT 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.24% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $691 | $0 | $691 | 0.12% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $679 | $0 | $679 | 0.12% |
| JONATHAN B VETTER3 | 6680 POE AVE, STE. 200 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $658 | $0 | $658 | 0.12% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622 | $0 | $622 | 0.11% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | $0 | $450 | 0.08% |
| MATTHEW R CALICOAT3 | 24250 N 23RD AVE. #1204 PHOENIX, AZ 85085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | $0 | $312 | 0.05% |
| SES LLC GINA GEIGER ENT.3 | 2620 LIBERTY ELLERTON RD DAYTON, OH 45417 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | $0 | $262 | 0.05% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 0.03% |
| HARRIET L GLASS3 | 46 ABERFIELD LANE MIAMISBURG, FL 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | $0 | $154 | 0.03% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.02% |
| TINA LOUISE LARGER3 Filed as: TINA L LARGER | 708 E 4TH ST. MINSTER, OH 45865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | $0 | $127 | 0.02% |
| JESSICA L MCGINNITY3 | 1954 TURNBULL RD. DAYTON, OH 45432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.01% |
| JEREMY M SMITH3 | 2900 CHALMAR DR. BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.01% |
| JULIE M SMITH3 | 2900 CHALMAR DRIVE BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.01% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.01% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE. CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.01% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN E SVARDA | 375 INDUSTRY DR, SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.01% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.00% |
| SHANNON M VOGEL3 | 6955 BECKETT CT. CENTERVILLE, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.00% |
| ALISON L PFEIFFER3 | 377 CLEAR SPRINGS CT. CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
| COLLEEN P EHRET3 | 2103 CRAB TREE DR. BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD. FT LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| RISES LEE ROY YOUNG ENT.3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| GINA M. GEIGER3 Filed as: GINA M GEIGER | 2717 MIAMISBURG CENTERVILLE RD SUITE 215 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 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 | 4,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 2,929 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,486 | $395K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,801 | $3.1M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,800 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,929 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.