| 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 | $72K | — | $72K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $29K | $8K | $37K | 9.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $9K | $2K | $11K | 9.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED HEALTHCARE | $11K | — | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | FIRST UNUM LIFE | $7K | — | $7K | 12.27% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE | $3K | — | $3K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | VSP | $4K | — | $4K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PROVIDENT LIFE | $12K | — | $12K | 62.92% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE | $6K | — | $6K | 33.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $1K | — | $1K | 71.15% |
| SMITH, THOMAS, CHRISTOPHER3 | P.O. BOX 6650 METAIRE, LA 70009 | UNUM | $460 | — | $460 | 30.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 31-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $148K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFITS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $21K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $0 |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 599 | $47K |
| Life insurance(3 contracts, 3 carriers) | UNUM | 499 | $466K |
| Short-term disability | UNUM | 499 | $388K |
| Long-term disability | UNUM | 499 | $388K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE | 329 | $821K |
| Other(3 contracts) | UNUM | 499 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.