| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET 200 GRENSBORO, NC 27455 | COMMUNITY INSURANCE COMPANY | $36K | $0 | $36K | 2.30% |
| SHAWAN MARQUIS AGENCY INC3 Filed as: SHAWAN MARQUIS AGENCY INC. | 110 EAST WILSON BRIDGE ROAD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $79 | $0 | $79 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCMLENNAN AGENCY LLC | 309 WEBSTER STREET DAYTON, OH 45402 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 2.64% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | AMERITAS LIFE INSURANCE CORP. | $418 | $0 | $418 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVE. SUITE 400 SADDLEBROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP. | $0 | $159 | $159 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE. SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCMLENNAN AGENCY LLC | 409 E MONUMENT AVE. SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.07% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.28% |
| EDWARD D SOMMER3 | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $807 | $0 | $807 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCMLENNAN AGENCY LLC | 409 E MONUMENT AVE. SUITE 400 DAYTON, OH 45402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $556 | $0 | $556 | 2.75% |
| EDWARD D SOMMER3 Filed as: EDWARD DA SOMMER | 300 WEST WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $486 | $0 | $486 | 2.41% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 293 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 389 | $110K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 389 | $130K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $97K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.