| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | MEDICAL MUTUAL OF OHIO | $63K | $112K | $174K | 4.02% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.65% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 17.54% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 454021482 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $994 | $562 | $2K | 15.66% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE. STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 261 | $4.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $109K |
| Vision | MEDICAL MUTUAL OF OHIO | 261 | $4.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $26K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 261 | $4.3M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.