| 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 | $32K | $1K | $33K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD | $12K | $5K | $17K | 19.32% |
| 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 STE 301 DAYTON, OK 45439 | ALL STATE | $2K | — | $2K | 10.49% |
| KENNETH GESSNER3 | 327 BRANBURY ROAD DAYTON, OH 45459 | ALL STATE | $659 | — | $659 | 3.64% |
| JAMES VAN GUILDER3 | POST OFFICE BOX 4037 NEWARK, OH 43058 | ALL STATE | $281 | — | $281 | 1.55% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | ALL STATE | $17 | — | $17 | 0.09% |
| NATIONAL UNITED3 | 4151 EXECUTIVE WAY WESTERVILE, OH 43081 | ALL STATE | $12 | — | $12 | 0.07% |
| MICHAEL P VEREKER3 Filed as: MICHAEL VEREKER | 3505 FREEMAN AVENUE HAMILTON, OH 45015 | ALL STATE | $9 | — | $9 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $2K | — | $2K | 14.94% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY MUTUAL | 317 | $2.0M |
| Dental | COMMUNITY INSURANCE | 136 | $88K |
| Vision | EYEMED VISION CARE | 159 | $13K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD | 156 | $108K |
| Short-term disability | HARTFORD | 156 | $89K |
| Long-term disability | HARTFORD | 156 | $89K |
| Other(2 contracts, 2 carriers) | HARTFORD | 156 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.