| 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 | $9K | $496 | $10K | 3.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE OF CANADA | $3K | $165 | $3K | 1.00% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT STREET WAUSAU, WI 54403 | SUN LIFE OF CANADA | $0 | $2K | $2K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $4K | — | $4K | 8.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $2K | — | $2K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 13.55% |
| GENESIS & ASSOCIATES LLC3 Filed as: GENESIS & ASSOCIATES | 838 ACKLEY ROAD CINCINNAT, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| RONALD J ZULLO3 Filed as: RONALD ZULLO | 6700 TOWERING RIDGE WAY CINCINNATI, OH 45247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.76% |
| VARIOUS3 | 3814 WEST STREET CINCINNATI, OH 45227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.43% |
| DUNN, JAMES ERVIN3 | 3814 WEST STREET CINCINNATI, OH 45227 | PROVIDENT LIFE | $929 | — | $929 | 6.40% |
| DUNN, JAMES ERVIN3 | 3814 WEST STREET CINCINNATI, OH 45227 | PROVIDENT LIFE | $336 | — | $336 | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $1K | — | $1K | 16.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PBM | Claims processing; Float revenue; Direct payment from the plan; Other fees Service code 12 | — | $409K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $80K |
| MCGOHAN BRABENDER 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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 99 | $8K |
| Life insurance | LINCOLN NATIONAL LIFE | 121 | $29K |
| Long-term disability(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE | 121 | $94K |
| Stop-loss / reinsurancereinsurance | SUN LIFE OF CANADA | 140 | $321K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE | 140 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.