| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD., STE. 2300 TROY, MI 48084 | MEDICAL MUTUAL OF OHIO | $93K | $52K | $145K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM ST., 200 GREENSBORO, NC 27455 | ANTHEM LIFE INSURANCE COMPANY | $18K | $1K | $19K | 14.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC. | $6K | — | $6K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 9.07% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVE., STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.90% |
| JULIE M SMITH3 | 2900 CHALMAR DRIVE BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.91% |
| MATTHEW R CALICOAT3 | 24250 N. 23RD AVE PHOENIX, AZ 85085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD. RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.96% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $644 | — | $644 | 0.58% |
| JONATHAN B VETTER3 | 6680 POE AVE., STE. 200 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $560 | — | $560 | 0.51% |
| MICHAEL R MAGOTEAUX3 Filed as: MICHAEL J MCGAUGHEY | 1255 ARKANSAS DR. XENIA, OH 45385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | — | $334 | 0.30% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR. MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | — | $305 | 0.28% |
| JESSICA L MCGINNITY3 | 1954 TURNBULL RD. DAYTON, OH 45432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.25% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD. WESTCHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 0.21% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVE., STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.19% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.07% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE. CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.05% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WESTCHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.05% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT. CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WESTCHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 405 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $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 | 529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 280 | $3.6M |
| Dental | SUPERIOR DENTAL CARE, INC. | 509 | $121K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 505 | $39K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 510 | $135K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 510 | $135K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 280 | $3.6M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 482 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.