| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 3931 S DIXIE DRIVE DAYTON, OH 454392321 | HARTFORD LIFE AND ACCIDENT | — | $32K | $32K | 14.66% |
| GLOBAL UNDERWRITERS AGCY INC Filed as: GLOBAL UNDERWRITERS AGENCY INC. | 3195 LINWOOD ROAD #201 CINCINNATI, OH 45208 | FEDERAL INSURANCE COMMPANY | $1K | — | $1K | 35.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY (G1728) EIN 31-1440175 | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Contract Administrator Service code 12 | — | $345K |
| MCGOHAN BRABENDER AGCY INC. | Other commissions; Insurance brokerage commissions and fees; Insurance services Service code 23 | 3931 S DIXIE DRIVE DAYTON, OH 45439 | $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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 1,443 | $578K |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 1,443 | $578K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 1,443 | $578K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,950 | $217K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,950 | $217K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,950 | $217K |
| Prescription drug | COMMUNITY INSURANCE COMPANY (G1728) | 1,443 | $578K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 1,443 | $578K |
| Other(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 1,950 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,950 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.