| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | ATTN MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108K | $46K | $154K | 7.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 3716 ATTN ANN INGRAM NORFOLK, VA 23514 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $15K | $47K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH MCLENNAN AGCY LLC | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45385 | UNION SECURITY INSURANCE COMPANY | $12K | $261 | $12K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS MARSH MCLENNAN AGCY LLC | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | UNION SECURITY INSURANCE COMPANY | $11K | $218 | $12K | 2.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 3716 ATTN ANN INGRAM NORFOLK, VA 23514 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $7K | $20K | 5.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | ATTN MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $7K | $22K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BROWER INSURANCE 409 E. MONUMENT AVE. DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC | $10K | — | $10K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH MCLENNAN AGCY LLC | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45385 | UNION SECURITY INSURANCE COMPANY | $9K | $86 | $9K | 4.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 3716 ATTN ANN INGRAM NORFOLK, VA 23514 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $12K | 5.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 3716 ATTN ANN INGRAM NORFOLK, VA 23514 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $3K | $29K | 16.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | SUPERIOR DENTAL CARE, INC | $4K | — | $4K | 5.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNA AGENCY | 409 E. MONUMENT AVE., STE.400 DAYTON, OH 45385 | EYEMED VISION CARE | $6K | — | $6K | 9.22% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $10K | 16.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNAN AGENCY | 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45385 | EYEMED VISION CARE | $5K | — | $5K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 18.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | ATTN MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $667 | $2K | 6.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | ATTN MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $445 | $2K | 6.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNAN AGENCY | 409 E. MONUMENT AVE., STE.400 DAYTON, OH 45385 | EYEMED VISION CARE | $2K | — | $2K | 10.07% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 2255 GALDES RD STE 420A BOCA RATON, FL 33431 | UNION SECURITY INSURANCE COMPANY | $664 | — | $664 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BROWER INSURANCE 409 E. MONUMENT AVE. DAYTON, OH 45402 | SUPERIOR DENTAL CARE | $3K | — | $3K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BROWER INSURANCE 409 E. MONUMENT AVE. DAYTON, OH 45402 | SUPERIOR DENTAL CARE, INC | $918 | — | $918 | — |
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 | 12,309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 2 carriers) | SUPERIOR DENTAL CARE, INC | 1,234 | $324K |
| Vision(4 contracts, 2 carriers) | VISION SERVICE PLAN | 991 | $200K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,111 | $2.5M |
| Short-term disability(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 552 | $1.3M |
| Long-term disability(8 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,788 | $2.8M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,111 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,111 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.