| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 32358 COLLECTION CENTER DR CHICAGO, IL 60693 | MEDICA INSURANCE COMPANY | $75K | $7K | $82K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $17K | $37K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 56.77% |
| SUSAN SVARDA ENTERPRISES LLC3 | 375 INDUSTRY DR, SUITE A CARLISLE, OH 45005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | $0 | $181 | 1.98% |
| DANA DENISE LINDSEY3 | 400 POSEY LANE, APT. 113 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 1.53% |
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 | 1,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 432 | $2.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,068 | $419K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,068 | $419K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,068 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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.
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.