| 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 | $65K | — | $65K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & CLENNAN AGENCY LLC | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | — | $56K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | — | $40K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER STREET DAYTON, OH 45402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 4.81% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | — | $1K | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 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 | 1,579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,341 | $156K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,622 | $709K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,622 | $198K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 1,486 | $1.4M |
| Other(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,622 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,622 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.