| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | MEDICAL MUTUAL OF OHIO | $32K | $18K | $49K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION AGENCY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.94% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $814 | $2K | 23.89% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $652 | $578 | $1K | 18.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPERT BENEFIT SOLUTIONS EIN 39-1277023 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 176 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 215 | $99K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 215 | $118K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 215 | $102K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 176 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
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.