| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 309 WEBSTER STREET DAYTON, OH 44502 | MEDICAL MUTUAL OF OHIO | $13K | $4K | $17K | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE CLEVELAND, OH 44411 | MEDICAL MUTUAL OF OHIO | $9K | $1K | $10K | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 4145 CLINTON, IA 52733 | HARTFORD LIFE AND ACCIDENT | $45K | $0 | $45K | 16.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 5.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $14K | $14K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | DELTA DENTAL OF MISSOURI | $19K | $3K | $23K | 10.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 2.44% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 , SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 0.53% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS, INC. | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $596 | $0 | $596 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18 | $18 | 0.45% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 50 | $528K |
| Dental | DELTA DENTAL OF MISSOURI | 443 | $209K |
| Vision | DELTA DENTAL OF MISSOURI | 443 | $209K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 286 | $273K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 286 | $273K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 286 | $273K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 50 | $528K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 286 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.