| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | MEDICAL MUTUAL | — | $170K | $170K | 32.27% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $7K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.39% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.58% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $601 | $2K | 19.91% |
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 322 | $526K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $99K |
| Vision | MEDICAL MUTUAL | 322 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $12K |
| Prescription drug | MEDICAL MUTUAL | 322 | $526K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.