| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $18K | 21.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE SUITE 400 DAYTON, OH 454021482 | VISION SERVICE PLAN | $2K | — | $2K | 3.53% |
| BROWER INSURANCE AGENCY LLC3 Filed as: BROWER INSURANCE MMC COMPANY | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | DBA BARNEY AND BARNEY MMC AGENCY PO BOX 85638 SAN DIEGO, CA 921865638 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $706 | — | $706 | 1.67% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 800 YARD ST SUITE 300 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.08% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | — |
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 | 177 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 177 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $80K |
| Vision | VISION SERVICE PLAN | 197 | $57K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $98K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $42K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $122K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.