| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $9K | $27K | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | CONTINENTAL AMERICA INSURANCE COMPANY | $3K | $0 | $3K | 7.66% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVENUE MIAMISBURG, OH 45342 | CONTINENTAL AMERICA INSURANCE COMPANY | $927 | $0 | $927 | 2.19% |
| SUSAN SVARDA ENTERPRISES LLC3 Filed as: SUSAN E. SVARDA | 6680 POE AVENUE, SUITE 400 DAYTON, OH 45414 | CONTINENTAL AMERICA INSURANCE COMPANY | $653 | $0 | $653 | 1.54% |
| KYLE RUSSEY3 Filed as: KYLE D. DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | CONTINENTAL AMERICA INSURANCE COMPANY | $213 | $0 | $213 | 0.50% |
| OLIVIA K ELLIOTT3 Filed as: OLIVIA K. BASTIN | 13455 GRAHAM YARDEN DRIVE RIVERVIEW, FL 33579 | CONTINENTAL AMERICA INSURANCE COMPANY | $123 | $0 | $123 | 0.29% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICA INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| ALEXANDER A ARTMAN3 Filed as: ALEXANDER A ARTMAN AND OTHER AGENTS | 15321 YARDARM COURT CORPUS CHRISTI, TX 78418 | CONTINENTAL AMERICA INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE DAYTON, OH 45402 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $216K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $216K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $216K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $216K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.