| 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 | $0 | $7K | $7K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA | $9K | — | $9K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $8K | $6K | $15K | 8.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINETAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 10.96% |
| GENESIS COFFEY3 | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINETAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.37% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINETAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.62% |
| VARIOUS3 | 1000 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | CONTINETAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| AMANDA MCCORMICK3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINETAL AMERICAN INSURANCE COMPANY | $972 | — | $972 | 0.82% |
| AMANDA MCCORMICK3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINETAL AMERICAN INSURANCE COMPANY | $971 | — | $971 | 0.82% |
| BRIAN SULLIVAN3 | 6532 REDMONT COURT MIDDLETOWN, OH 45044 | CONTINETAL AMERICAN INSURANCE COMPANY | $656 | — | $656 | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $10K | $3K | $13K | 18.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $10K | $2K | $12K | 18.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $4K | — | $4K | 9.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $273K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $0 |
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 | 489 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 815 | $179K |
| Vision(2 contracts, 2 carriers) | CONTINETAL AMERICAN INSURANCE COMPANY | 855 | $159K |
| Life insurance | UNUM | 453 | $167K |
| Short-term disability | UNUM | 453 | $167K |
| Long-term disability | UNUM | 82 | $64K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 872 | $353K |
| Other(3 contracts, 2 carriers) | UNUM | 617 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
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.