| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $86K | $86K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INS | 3931 S DIXIE DR DAYTON, OH 45439 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3 | -$20 | -$23 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 16.24% |
| HINRICHS, TRACEY3 Filed as: HINRICHS, TRACY | SUITE Q 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $144 | — | $144 | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC | 3445 S DIXIE DR STE 200 MORAINE, OH 45439 | KANAWHA INSURANCE COMPANY | $103 | $3 | $106 | 2.44% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,307 | $375K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $4.9M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $82K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,307 | $375K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,307 | $375K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $4.9M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,307 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.