| 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 | $122K | — | $122K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA | $8K | $1K | $9K | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINETAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 27.60% |
| GENESIS COFFEY3 | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINETAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 11.29% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINETAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.70% |
| AMANDA MCCORMICK3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINETAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.98% |
| RACHEL DENNIS3 | 510 WEST CHELSEA CIRCLE FT. MITCHELL, KY 41017 | CONTINETAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.79% |
| DAMIAN PERERA3 | 8117 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | CONTINETAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $11K | $3K | $14K | 10.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $4K | $2K | $7K | 13.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $4K | — | $4K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AFLAC | $5K | — | $5K | 14.72% |
| GENESIS COFFEY3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | AFLAC | $2K | $170 | $2K | 7.57% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | AFLAC | $1K | $13 | $1K | 4.20% |
| CHRIS BIALKA3 Filed as: CHRIS BIAKA | 11260 CHESTER ROAD CINCINNATI, OH 45246 | AFLAC | $1K | $3 | $1K | 3.36% |
| AMANDA MCCORMICK3 | 776 LIND PLACE MASON, OH 45040 | AFLAC | $538 | $34 | $572 | 1.87% |
| DAMIAN PERERA3 | 8117 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | AFLAC | $345 | $17 | $362 | 1.18% |
| RACHEL DENNIS3 Filed as: RACHEL LYNN DENNIS | 510 WEST CHELSEA DRIVE FT MITCHELL, KY 41017 | AFLAC | $197 | $9 | $206 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $3K | $1K | $4K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $3K | $962 | $4K | 20.00% |
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 | 407 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 767 | $2.7M |
| Dental | AETNA | 770 | $165K |
| Vision(2 contracts, 2 carriers) | CONTINETAL AMERICAN INSURANCE COMPANY | 798 | $169K |
| Life insurance(2 contracts) | UNUM | 394 | $175K |
| Short-term disability(2 contracts) | UNUM | 394 | $175K |
| Long-term disability(2 contracts) | UNUM | 204 | $147K |
| Prescription drug | CIGNA | 767 | $2.7M |
| Other(5 contracts, 3 carriers) | CONTINETAL AMERICAN INSURANCE COMPANY | 444 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.