| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE DAYTON, OH 45402 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA INSURANCE COMPANY | $6K | $3K | $9K | 13.85% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC. | $2K | $0 | $2K | 4.55% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 GALBRAITH RD STE 102 CINCINNATI, OH 45236 | SUPERIOR DENTAL CARE, INC. | $1K | $0 | $1K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $151 | $3K | 20.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | EYEMED VISION CARE | $755 | $0 | $755 | 7.34% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 GALBRAITH RD STE 102 CINCINNATI, OH 45236 | EYEMED VISION CARE | $263 | $0 | $263 | 2.56% |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $997K |
| Dental | SUPERIOR DENTAL CARE, INC. | 180 | $46K |
| Vision | EYEMED VISION CARE | 163 | $10K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 141 | $68K |
| Short-term disability | UNITED OF OMAHA INSURANCE COMPANY | 141 | $68K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY | 141 | $68K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $997K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 141 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.