| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $0 | $61K | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2929 ALLEN PARKWAY, STE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST DAYTON, OH 45402 | MEDMUTUAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 9.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 409 E. MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 8.44% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR., SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 5.84% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 1.30% |
| JULIE M SMITH3 Filed as: JULIE MICHELLE SMITH | 2900 CHALMAR DRIVE BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.65% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.65% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.65% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 66 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $103K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $103K |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 405 | $73K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 432 | $78K |
| Other(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 405 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.