| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD RICHMOND, VA 23230 | COMMUNITY INSURANCE COMPANY | $92K | $1K | $93K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC. | $6K | — | $6K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD RICHMOND, VA 23230 | ANTHEM LIFE INSURANCE COMPANY | $12K | — | $12K | 10.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 14.21% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN SVARDA ENTERPRISES, LLC | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.39% |
| JULIE M SMITH3 Filed as: JULIE M. SMITH | 2900 CHALMAR DRIVE BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.28% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.92% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES, LLC | 7364 WATERWAY DRIVE WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTER BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $809 | — | $809 | 1.09% |
| MJ INSURANCE3 Filed as: IAN B. BRANYON AND VARIOUS AGENTS | 8744 UNION CENTER BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $596 | — | $596 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.06% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 466 | $2.7M |
| Dental | SUPERIOR DENTAL CARE, INC. | 539 | $126K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 520 | $38K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 479 | $112K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 479 | $112K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 466 | $2.7M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 479 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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."
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.