| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E. DUNN3 Filed as: JAMES E DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | LINCOLN NATIONAL LIFE | $5K | — | $5K | 7.14% |
| JAMES E. DUNN3 Filed as: JAMES DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 7.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $2K | — | $2K | 12.73% |
| JAMES E. DUNN3 Filed as: JAMES E DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | PROVIDENT LIFE | $2K | — | $2K | 17.20% |
| JAMES E. DUNN3 Filed as: JAMES DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | UNUM | $2K | — | $2K | 13.52% |
| JAMES E. DUNN3 Filed as: JAMES E DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | PROVIDENT LIFE | $2K | — | $2K | 14.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PBM | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $301K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $81K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $48K |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 216 | $15K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 172 | $48K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE | 169 | $38K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 172 | $78K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE OF CANADA | 133 | $303K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE | 172 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.