| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $24K | 14.93% |
| TINA LOUISE LARGER3 | 5116 STATE ROUTE 119 MINSTER, OH 458659404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.74% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $701 | — | $701 | 1.59% |
| MICHAEL R MAGOTEAUX3 | 2250 CARDO RD FT. LORAMIE, OH 45845 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 1.36% |
| DAWNY M GINTER3 | 615 S BARRON ST EATON, OH 45320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.74% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 336473561 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 0.71% |
| BRIAN J DAY3 Filed as: BRIAN JOSEPH DAY | 13189 HITCHING POST DEWITT, MI 48820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 0.40% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG ENTERPRISES INC | 76 N BICKETT RD XENIA, OH 45385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.38% |
| AARON ANSPACH LLC3 | 825 W MARKET ST SUITE 101 LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.24% |
| IAN B BRANYON3 Filed as: IAN BYRD BRANYON | 2301 LUCIEN WAY SUITE 150 MAITLAND, FL 32751 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.10% |
| KYLE DUANE DAFLER3 | 2431 HAWKINS RD RICHMOND, IN 473742524 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.08% |
| SHAWN MARTIN MCDERMOTT3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H C ROBERTS | 3749 SACHEM AVE CINCINNATI, OH 452261755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENCHMARK INS MANAGEMENT INC3 | 440 POLARIS PKWY STE 140 WESTERVILLE, OH 43082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.57% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $160K |
| Vision | VISION SERVICE PLAN | 197 | $58K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $181K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $204K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $204K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.