| 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 | UNITED HEALTHCARE | $15K | $63K | $78K | 6.79% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT, ARGANBRIGHT & HAZELBAKER, IN | 5007 PINE CREEK DR. WESTERVILLE, OH 43081 | UNITED HEALTHCARE | $0 | $221 | $221 | 0.02% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE GROUP, LLC | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | GUARDIAN | $10K | $202 | $10K | 7.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $9K | — | $9K | 7.61% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | 11740 SW PARKWAY PORTLAND, OR 97223 | GUARDIAN | $15 | — | $15 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | NATIONWIFE & CRUM & FOSTER | $8K | — | $8K | 8.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $4K | — | $4K | 12.77% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | GUARDIAN | $2K | $30 | $2K | 7.32% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY PORTLAND, OR 97223 | GUARDIAN | $3 | — | $3 | 0.01% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 664 | $1.1M |
| Life insurance | GUARDIAN | 144 | $32K |
| Short-term disability | GUARDIAN | 153 | $123K |
| Long-term disability | GUARDIAN | 153 | $123K |
| Stop-loss / reinsurancereinsurance | NATIONWIFE & CRUM & FOSTER | 102 | $92K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 153 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.