| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W. BIG BEAVER RD., STE. 2300 TROY, MI 48084 | MEDICAL MUTUAL | $92K | $51K | $143K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 32332 COLLECTION CENTER DR. CHICAGO, IL 60693 | SUPERIOR DENTAL CARE | $6K | $0 | $6K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 409 E. MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.20% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVE STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.84% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | $0 | $779 | 0.72% |
| JULIE M SMITH3 | 2900 CHALMAR DRIVE BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $693 | $0 | $693 | 0.64% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $396 | $0 | $396 | 0.36% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $246 | $0 | $246 | 0.23% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.14% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.08% |
| MICHAEL R MAGOTEAUX3 Filed as: MICHAEL J MCGAUGHEY | 1255 ARKANSAS DR. XENIA, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.07% |
| JESSICA L MCGINNITY3 | 1954 TURNBULL RD DAYTON, OH 45432 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.06% |
| MATTHEW R CALICOAT3 | 436 CLOVER HILL DR. TIPP CITY, OH 45371 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.04% |
| GERALD J DAVIS3 | 11260 CHESTER RD., STE. 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.03% |
| JONATHAN B VETTER3 | 6680 POE AVE STE. 200 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD COURT CINCINANTI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| DANA LINDSEY3 | 6680 POE AVE., STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD., STE. 2300 TROY, MI 48084 | MEDMUTUAL LIFE INSURANCE COMPANY | $6K | $5K | $10K | 11.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 37 DAYTON, OH 45401 | 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 | 594 | 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) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 278 | $3.9M |
| Dental | SUPERIOR DENTAL CARE | 488 | $123K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 272 | $37K |
| Life insurance(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 594 | $165K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 483 | $76K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 594 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.