| 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 | $195 | $31K | 1.51% |
| 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 | $5K | — | $5K | 20.06% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 SOUTH DIXIE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $256 | $103 | $359 | 1.71% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHCAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $260 | $109 | $369 | 1.77% |
| AON CONSULTING INC3 Filed as: AON | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE | $2K | — | $2K | 13.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $175 | $70 | $245 | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $2K | — | $2K | 14.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE STE 301 DAYTON, OK 45439 | ALL STATE | $224 | — | $224 | 4.34% |
| JAMES VAN GUILDER3 | POST OFFICE BOX 4037 NEWARK, OH 43058 | ALL STATE | $180 | — | $180 | 3.49% |
| KENNETH GESSNER3 | 327 BRANBURY ROAD DAYTON, OH 45459 | ALL STATE | $113 | — | $113 | 2.19% |
| NATIONAL UNITED3 | 4151 EXECUTIVE WAY WESTERVILE, OH 43081 | ALL STATE | $34 | — | $34 | 0.66% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | ALL STATE | $2 | — | $2 | 0.04% |
| MICHAEL P VEREKER3 Filed as: MICHAEL VEREKER | 3505 FREEMAN AVENUE HAMILTON, OH 45015 | ALL STATE | $1 | — | $1 | 0.02% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY MUTUAL | 301 | $2.1M |
| Dental | COMMUNITY INSURANCE | 126 | $77K |
| Vision | EYEMED VISION CARE | 154 | $13K |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY | 132 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $21K |
| Other(2 contracts, 2 carriers) | UNION SECURITY | 132 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.