| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-DAYTON | 409 E. MONUMENT AVE. STE 400 DAYTON, OH 454021482 | HUMANA HEALTH PLAN OF OHIO, INC. | $35K | — | $35K | 1.55% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRATH ROAD STE 102 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN OF OHIO, INC. | $7K | — | $7K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 2.38% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | $916 | $2K | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45385 | DENTAL CARE PLUS INC. | $8K | — | $8K | 6.66% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS INC. | $967 | — | $967 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS - MARSH & MCLENNAN AGNCY | 6279 TRI RIDGE BLVD., STE 400 LOVELAND, OH 451408320 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.53% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $232 | — | $232 | 1.65% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 181 | $2.3M |
| Dental | DENTAL CARE PLUS INC. | 118 | $122K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 94 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $380K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $380K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.