| 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 MUTUAL | $31K | $183 | $31K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNION SECURITY | $4K | $2K | $6K | 26.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $288 | $4K | 16.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 SOUTH DIXIE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $232 | $3K | 16.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $2K | $175 | $2K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $2K | — | $2K | 14.92% |
| JENNIFER MCCORT3 | 6500 EMERALD PARKWAY DUBLIN, OH 43016 | ALL STATE | $838 | — | $838 | 14.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ALL STATE | $285 | — | $285 | 4.96% |
| KENNETH GESSNER3 | 327 BRANBURY ROAD DAYTON, OH 45459 | ALL STATE | $222 | — | $222 | 3.86% |
| NATIONAL UNITED3 | 4151 EXECUTIVE PARKWAY WESTERVILLE, OH 43081 | ALL STATE | $56 | — | $56 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE STE 301 DAYTON, OK 45439 | ALL STATE | $810 | — | $810 | 15.37% |
| KENNETH GESSNER3 | 327 BRANBURY ROAD DAYTON, OH 45459 | ALL STATE | $470 | — | $470 | 8.92% |
| JENNIFER MCCORT3 | 6500 EMERALD PARKWAY DUBLIN, OH 43016 | ALL STATE | $329 | — | $329 | 6.24% |
| JAMES VAN GUILDER3 | POST OFFICE BOX 4037 NEWARK, OH 43058 | ALL STATE | $63 | — | $63 | 1.20% |
| NATIONAL UNITED3 | 4151 EXECUTIVE WAY WESTERVILE, OH 43081 | ALL STATE | $20 | — | $20 | 0.38% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | ALL STATE | $15 | — | $15 | 0.28% |
| MICHAEL P VEREKER3 Filed as: MICHAEL VEREKER | 3505 FREEMAN AVENUE HAMILTON, OH 45015 | ALL STATE | $5 | — | $5 | 0.09% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMMUNITY MUTUAL | 291 | $1.7M |
| Dental | COMMUNITY INSURANCE | 125 | $73K |
| Vision | EYEMED VISION CARE | 148 | $12K |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY | 130 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $21K |
| Other(2 contracts, 2 carriers) | UNION SECURITY | 130 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.