| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMPANION LIFE | — | $46K | $46K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN-BRABENDER AGENCY | 3931 S DIXIE DRIVE DAYTON, OH 45439 | AETNA LIFE INSURANCE CO | — | $2K | $2K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA LIFE INSURANCE CO. | — | $5K | $5K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER | 3931 S DIXIE AVE DAYTON, OH 454392313 | EYE MED | — | $5K | $5K | 14.94% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA LIFE INSURANCE CO | — | $1K | $1K | 11.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $208K |
| AETNA LIFE INSURANCE CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $13K |
| FLEX BANK INC EIN 31-1465080 CLAIMS PROCESSING | Claims processing Service code 12 | — | $6K |
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 | 364 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 991 | $316K |
| Vision | EYE MED | 530 | $31K |
| Life insurance | AETNA LIFE INSURANCE CO. | 390 | $107K |
| Short-term disability | AETNA LIFE INSURANCE CO | 390 | $11K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 364 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 991 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.