| 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 | UNUM | $8K | $4K | $12K | 6.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $8K | $17K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINETAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| GENESIS COFFEY3 | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINETAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 6.51% |
| CHAD RICHARDSON3 | 9756 BERRY HILL DRIVE CINCINNATI, OH 45241 | CONTINETAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.15% |
| VARIOUS3 | 1000 THISTLEWOOD DRIVE WEST CHESTER, OH 45069 | CONTINETAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.77% |
| BRIAN SULLIVAN3 | 6532 REDMONT COURT MIDDLETOWN, OH 45044 | CONTINETAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| AMANDA MCCORMICK3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | CONTINETAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 0.32% |
| GROVE FINANCIAL LLC3 Filed as: GROVE FINANCIAL | 4502 GLENBROOK DRIVE PALM HARBOR, FL 34683 | CONTINETAL AMERICAN INSURANCE COMPANY | $225 | — | $225 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $15K | $2K | $17K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $13K | $2K | $15K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $7K | — | $7K | 10.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $384K |
| EXPRESS SCRIPTS EIN 31-1714795 PBM | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue Service code 12 | — | $15K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Insurance agents and brokers; Other commissions; 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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 463 | $195K |
| Vision(2 contracts, 2 carriers) | CONTINETAL AMERICAN INSURANCE COMPANY | 1,098 | $231K |
| Life insurance | UNUM | 505 | $203K |
| Short-term disability | UNUM | 505 | $203K |
| Long-term disability | UNUM | 22 | $89K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,183 | $670K |
| Other(3 contracts, 2 carriers) | UNUM | 882 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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.