| 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 | CIGNA | $86K | — | $86K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $14K | $3K | $17K | 9.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA | $8K | — | $8K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINETAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 32.63% |
| GENESIS COFFEY3 | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINETAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 12.51% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINETAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.38% |
| AMANDA MCCORMICK3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINETAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| RACHEL DENNIS3 | 510 WEST CHELSEA CIRCLE FT. MITCHELL, KY 41017 | CONTINETAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.23% |
| DAMIAN PERERA3 | 8117 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | CONTINETAL AMERICAN INSURANCE COMPANY | $998 | — | $998 | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $3K | — | $3K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AFLAC | $6K | $151 | $6K | 25.33% |
| GENESIS COFFEY3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | AFLAC | $3K | $163 | $3K | 12.41% |
| CHRIS BIALKA3 Filed as: CHRIS BIAKA | 11260 CHESTER ROAD CINCINNATI, OH 45246 | AFLAC | $1K | — | $1K | 5.81% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | AFLAC | $1K | — | $1K | 5.66% |
| AMANDA MCCORMICK3 | 776 LIND PLACE MASON, OH 45040 | AFLAC | $933 | $34 | $967 | 4.10% |
| DAMIAN PERERA3 | 8117 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | AFLAC | $674 | $45 | $719 | 3.04% |
| RACHEL DENNIS3 Filed as: RACHEL LYNN DENNIS | 510 WEST CHELSEA DRIVE FT MITCHELL, KY 41017 | AFLAC | $397 | $8 | $405 | 1.72% |
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 | 364 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 706 | $2.5M |
| Dental | AETNA | 662 | $152K |
| Vision(2 contracts, 2 carriers) | CONTINETAL AMERICAN INSURANCE COMPANY | 735 | $69K |
| Life insurance | UNUM | 401 | $182K |
| Short-term disability | UNUM | 401 | $182K |
| Long-term disability | UNUM | 401 | $182K |
| Prescription drug | CIGNA | 706 | $2.5M |
| Other(3 contracts, 3 carriers) | UNUM | 401 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.