| 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 | $12K | — | $12K | 8.89% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44144 | COMMUNITY INSURANCE COMPANY | $0 | $4K | $4K | 3.24% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 387 GOLF VIEW LANE HIGHLAND HEIGHTS, OH 44142 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STARMOUNT LIFE | $4K | $1K | $6K | 13.71% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE | $2K | — | $2K | 5.54% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | STARMOUNT LIFE | -$224 | — | -$224 | -0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $3K | $638 | $3K | 18.40% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | UNUM | $1K | $174 | $1K | 6.30% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING LANE LEESBURG, VA 20175 | UNUM | -$69 | — | -$69 | -0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $1K | $117 | $1K | 16.32% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | UNUM | $207 | — | $207 | 2.74% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 41 | $132K |
| Dental | STARMOUNT LIFE | 61 | $42K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 61 | $174K |
| Life insurance | UNUM | 141 | $19K |
| Long-term disability | UNUM | 141 | $19K |
| Other(2 contracts) | UNUM | 141 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.