| 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 | $6K | $6K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $7K | $3K | $11K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINETAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 13.11% |
| GENESIS COFFEY3 | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINETAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 5.91% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINETAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.55% |
| VARIOUS3 | 1000 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | CONTINETAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| BRIAN SULLIVAN3 | 6532 REDMONT COURT MIDDLETOWN, OH 45044 | CONTINETAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.60% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | CONTINETAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| AMANDA MCCORMICK3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINETAL AMERICAN INSURANCE COMPANY | $713 | — | $713 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA | $6K | — | $6K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $4K | $8K | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $11K | $1K | $13K | 16.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $11K | $1K | $12K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $4K | — | $4K | 8.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $320K |
| EXPRESS SCRIPTS EIN 31-1714795 PBM | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $0 |
| 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 | 574 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA | 910 | $212K |
| Vision(2 contracts, 2 carriers) | CONTINETAL AMERICAN INSURANCE COMPANY | 1,214 | $186K |
| Life insurance | UNUM | 574 | $201K |
| Short-term disability | UNUM | 574 | $201K |
| Long-term disability | UNUM | 112 | $72K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 903 | $482K |
| Other(3 contracts, 2 carriers) | UNUM | 839 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,214 | — |
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.