| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $30K | $809 | $30K | 1.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $3K | $1 | $3K | 0.15% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 101 EAST MAIN STREET CENTERVILLE, IN 47330 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $2K | $20K | 10.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.89% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 101 EAST MAIN STREET CENTERVILLE, IN 47330 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ANTHEM LIFE INSURANCE COMPANY | $4K | $307 | $4K | 13.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $327 | $0 | $327 | 1.10% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 287 | $1.8M |
| Dental | COMMUNITY INSURANCE COMPANY | 287 | $1.8M |
| Vision | COMMUNITY INSURANCE COMPANY | 287 | $1.8M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 174 | $30K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $353K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $353K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 287 | $1.8M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 174 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
No prospect flags tripped on this filing.