| 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 | SUN LIFE OF CANADA | $11K | — | $11K | 2.83% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE OF CANADA | $4K | — | $4K | 0.94% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT STREET WAUSAU, WI 54403 | SUN LIFE OF CANADA | $3K | — | $3K | 0.67% |
| JAMES E. DUNN3 Filed as: JAMES E DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | LINCOLN NATIONAL LIFE | $5K | — | $5K | 6.39% |
| JAMES E. DUNN3 Filed as: JAMES DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | LINCOLN NATIONAL LIFE | $3K | — | $3K | 6.72% |
| JAMES E. DUNN3 Filed as: JAMES DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | PROIVIDENT LIFE | $2K | — | $2K | 12.68% |
| JAMES E. DUNN3 Filed as: JAMES DUNN | 3814 WEST STREET CINCINNATI, OH 45227 | PROVIDENT LIFE | $438 | — | $438 | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $2K | — | $2K | 17.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PBM | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $363K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $79K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $47K |
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 | 127 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 141 | $9K |
| Life insurance | LINCOLN NATIONAL LIFE | 176 | $40K |
| Long-term disability | LINCOLN NATIONAL LIFE | 176 | $74K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE OF CANADA | 133 | $389K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE | 176 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.