| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $7K | $35K | 13.75% |
| EXECUTIVE BENEFITS/WILSON BROKERAGE3 | 120 EAST 4TH STREET SUITE 600 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR MORAINE, OH 454392313 | HUMANA HEALTH PLAN, INC. | $19K | $610 | $20K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR MORAINE, OH 454392313 | HUMANA INSURANCE COMPANY | — | $65 | $65 | 0.10% |
| HINRICHS, TRACEY3 Filed as: HINRICHS, TRACY | SUITE Q 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 450696585 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR MORAINE, OH 454392313 | KANAWHA INSURANCE COMPANY | $1K | $151 | $1K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR MORAINE, OH 454392313 | HUMANA INSURANCE COMPANY | $1K | $418 | $2K | 15.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $118K |
| MCGOHAN BRABENDER AGENCY INC EIN 31-1191330 NONE | Other commissions Service code 55 | — | $8K |
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 | 336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 306 | $269K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $259K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $265K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $281K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $281K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $253K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 306 | $199K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.