| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | COMMUNITY INSURANCE COMPANY | $34K | $3K | $37K | 2.98% |
| SHAWAN MARQUIS AGENCY INC3 Filed as: SHAWAN MARQUIS AGENCY LLC | 425 METRO PLACE N SUITE 140 DUBLIN, OH 43017 | COMMUNITY INSURANCE COMPANY | $124 | — | $124 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 13.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT STREET, SUITE 400 DAYTON, OH 45402 | AMERITAS | $3K | — | $3K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AMERITAS | — | $919 | $919 | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45385 | EYEMED | $1K | — | $1K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | $270 | $928 | — |
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 | 2 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 232 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 280 | $1.2M |
| Dental | AMERITAS | 341 | $71K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 341 | $86K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $92K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.