| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY / BROWER IN | 409 E MONUMENT ST STE 400 DAYTON, OH 454021482 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY / BROWER IN | 409 E MONUMENT ST STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $8K | 21.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $956 | — | $956 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY / BROWER IN | 409 E MONUMENT ST STE 400 DAYTON, OH 454021482 | EYEMED VISION CARE | $2K | — | $2K | 9.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $170 | — | $170 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY / BROWER IN | 409 E MONUMENT ST STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 24.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $210 | — | $210 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY | 409 EAST MONUMENT AVENUE DAYTON, OH 45402 | CIGNA | $143 | — | $143 | 15.05% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY / BROWER IN | 409 E MONUMENT ST STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $707 | $707 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $128K |
| EXPRESS SCRIPTS EIN 31-1714795 PBM | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $0 |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 436 | $384K |
| Dental | COMMUNITY INSURANCE COMPANY | 436 | $384K |
| Vision | EYEMED VISION CARE | 335 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $10K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 436 | $384K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.