| 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 | $26K | $793 | $26K | 5.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44144 | COMMUNITY INSURANCE COMPANY | $0 | $8K | $8K | 1.66% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 387 GOLF VIEW LANE HIGHLAND HEIGHTS, OH 44142 | COMMUNITY INSURANCE COMPANY | $4K | — | $4K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $12K | $3K | $16K | 19.05% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | UNUM | $0 | $6K | $6K | 7.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $2K | $4K | $7K | 39.90% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | UNUM | $0 | $333 | $333 | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STARMOUNT LIFE | $5K | $1K | $6K | 633.46% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | POST OFFICE BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE | $0 | $3K | $3K | 249.61% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 110 | $485K |
| Dental | STARMOUNT LIFE | 73 | $1K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 110 | $486K |
| Life insurance | UNUM | 155 | $83K |
| Short-term disability | UNUM | 155 | $83K |
| Long-term disability | UNUM | 155 | $83K |
| Other(2 contracts) | UNUM | 155 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.