| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $633 | $13K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $4K | $235 | $5K | 15.79% |
| THE SCHELLER BRADFORD GROUP3 | 463 OHIO PIKE SUITE 303 CINCINNATI, OH 45255 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $623 | $81 | $704 | 4.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing Service code 12 | — | $981K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $221K |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 400 | $283K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 815 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 539 | $373K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 539 | $289K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 416 | $681K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 539 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.