| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | COMMUNITY INSURANCE COMPANY | $84K | $0 | $84K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC. | $6K | $0 | $6K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | ANTHEM LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.65% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN SVARDA ENTERPRISES, LLC | 6680 POE AVENUE, SUITE 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.07% |
| JULIE M SMITH3 Filed as: JULIE M. SMITH | 2900 CHALMAR DRIVE SUITE 400 BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.03% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.07% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 7364 WATERWAY DRIVE WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $922 | $0 | $922 | 1.13% |
| KYLE RUSSEY3 Filed as: KYLE D. DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | $0 | $623 | 0.76% |
| MJ INSURANCE3 Filed as: BRIAN J. DAY AND VARIOUS AGENTS | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $568 | $0 | $568 | 0.69% |
| 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 | $0 | $4K | 10.00% |
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 | 510 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 422 | $3.2M |
| Dental | SUPERIOR DENTAL CARE, INC. | 534 | $135K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 541 | $42K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 510 | $131K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 510 | $131K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 422 | $3.2M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 510 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.