| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 15.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 WEBSTER ST DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 13.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNAN AGCY | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | EYEMED | $4K | $0 | $4K | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $4K | $264 | $4K | 19.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $2K | $208 | $2K | 13.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93245 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $232 | $0 | $232 | 1.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 29982 NETWORK PL CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $0 | $31 | $31 | 0.20% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 581 | $204K |
| Vision | EYEMED | 535 | $48K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $87K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $108K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.