| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 20.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | $0 | $7K | 17.00% |
| VOLUNTARY MARKET SOLUTIONS LLC3 | 651 BLACKBURN AVE FAIRFIELD, OH 45014 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 19.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $418 | $1K | 24.86% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 283 | $87K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 0 | $0 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $23K |
| Other(3 contracts, 2 carriers) | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | 219 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.