| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 43833 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $7K | $29K | 19.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 7.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 2.48% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.9M |
| Dental | DELTA DENTAL OF OHIO | 283 | $85K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $144K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $144K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $144K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $144K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.