| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. CINCINNATI | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 100874465 | THE DENTAL CONCERN, INC. | $7K | $0 | $7K | 19.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. CINCINNATI | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. CINCINNATI | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 450696585 | MANHATTANLIFE | $846 | $0 | $846 | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 100874465 | MANHATTANLIFE | $367 | $0 | $367 | 2.48% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 405031363 | MANHATTANLIFE | $347 | $0 | $347 | 2.34% |
| VIVICA WALL3 | 1276 N HIGH ST. APT. 301 COLOMBUS, OH 432012453 | MANHATTANLIFE | $14 | $0 | $14 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. CINCINNATI | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 450696585 | MANHATTANLIFE | $339 | $0 | $339 | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 100874465 | MANHATTANLIFE | $329 | $0 | $329 | 3.10% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 505 WELLINGTON WAY LEXINGTON, KY 405031363 | MANHATTANLIFE | $68 | $0 | $68 | 0.64% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE DENTAL CONCERN, INC. | 161 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $136K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $49K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.