| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $50K | $15K | $65K | 19.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $12K | $54K | 25.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $13K | $19K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $11K | $48K | 25.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 SOUTH PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
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 | 1,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,427 | $218K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,459 | $598K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,459 | $192K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,400 | $811K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,501 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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.