| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 EAST MONUMENT AVENUE DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $7K | $26K | 17.71% |
| TINA LOUISE LARGER3 Filed as: TINA L LARGER | 708 E 4TH ST MINSTER, OH 45865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NCY, LLC MARSH & MCLENNAN AGENCY | 409 E MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.15% |
| ISES LLC KEVIN SVARDA ENT.3 Filed as: ISES LLC KEVIN SVARDA ENTERPRISES | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $542 | — | $542 | 1.73% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 0.97% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 0.76% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | — | $210 | 0.67% |
| RISES LEE ROY YOUNG ENT.3 Filed as: RISES LEE ROY YOUNG ENTERPRISES | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.47% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.42% |
| IAN B BRANYON3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| SHAWN M MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| INGER M PENNINGTON3 | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| WILLIAM ROBERTS3 | 3749 SACHEM AVE CINCINNATI, OH 45226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENCHMARK INS MANAGEMENT INC3 | 515 EXECUTIVE CAMPUS DR# 140 WESTERVILLE, OH 430828742 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.83% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $146K |
| Vision | VISION SERVICE PLAN | 185 | $57K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $166K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $178K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $178K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.