| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $27K | $0 | $27K | 4.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44144 | COMMUNITY INSURANCE COMPANY | $0 | $9K | $9K | 1.59% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 3333 RICHMOND RD STE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $3K | $0 | $3K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 15.80% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $970 | $6K | 13.32% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.21% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $758 | $0 | $758 | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARBENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM INSURANCE COMPANY | $779 | $104 | $883 | 15.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM INSURANCE COMPANY | $517 | $139 | $656 | 15.39% |
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 | 146 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 98 | $537K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 63 | $44K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 63 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $85K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $85K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.