| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWER INSURANCE AGENCY LLC3 Filed as: BROWER INSURANCE AGENCY - MMA,LLC | 409 E. MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 0.94% |
| BROWER INSURANCE AGENCY LLC3 | 409 E. MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $8K | — | $8K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $2K | $16K | 20.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN | A409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45385 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $648 | $4K | 11.80% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $234 | $2K | 17.07% |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 951 | $3.6M |
| Dental | SUPERIOR DENTAL CARE | 1,092 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,078 | $39K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 461 | $137K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $11K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 19 | $78K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.