| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | MEDICAL MUTUAL | $48K | $22K | $70K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $9K | — | $9K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 9.41% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $9K | $26K | 27.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45385 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.29% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 18.54% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 23.55% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 490 | $3.9M |
| Dental | SUPERIOR DENTAL CARE | 1,107 | $219K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,153 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 566 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $133K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $12K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 21 | $80K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 566 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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.