| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 BROWER INSURANCE DAYTON, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | $23K | $68K | 22.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $8K | $22K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 BROWER INSURANCE DAYTON, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $16K | $22K | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 BROWER INSURANCE DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $17K | $23K | 12.94% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 BROWER INSURANCE DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $2K | $42K | 26.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 BROWER INSURANCE DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $2K | $42K | 26.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
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 | 1,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,387 | $221K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,420 | $479K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,416 | $188K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,373 | $348K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,440 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.