| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | DELTA DENTAL OF OHIO | $5K | $0 | $5K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 15.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 WEBSTER ST DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 12.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNAN AGCY | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | EYEMED | $3K | $0 | $3K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $4K | $157 | $4K | 18.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 93245 NETWORK PLACE CHICAGO, IL 60673 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM INSURANCE COMPANY | $964 | $102 | $1K | 7.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 775 YARD ST., STE. 200 COLUMBUS, OH 60673 | UNUM INSURANCE COMPANY | $0 | $110 | $110 | 0.80% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 515 | $178K |
| Vision | EYEMED | 490 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $119K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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.