| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS | 4000 SMITH ROAD SUITE 4 CINCINNATTI, OH 45209 | MATRIX | $13K | — | $13K | 7.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | MATRIX | $10K | — | $10K | 5.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 4000 SMITH RD STE 400 CINCINNATI, OH 45209 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS-A MARSH & MCLENNAN AGCY | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 2305 RIVER RD LOUISVILLE, KY 40206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $856 | $856 | 1.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREL NL INSURANCE AGENCY | 2305 RIVER RD LOUISVILLE, KY 40206 | DENTAL CARE PLUS, INC. | $499 | — | $499 | 1.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $527 | — | $527 | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | VISION SERVICE PLAN | $277 | — | $277 | 2.41% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 102 | $44K |
| Vision | VISION SERVICE PLAN | 81 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $61K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $61K |
| Stop-loss / reinsurancereinsurance | MATRIX | 119 | $166K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.