| 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 | GUARDIAN | $27K | — | $27K | 11.11% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | GUARDIAN | — | $10K | $10K | 4.20% |
| EXECUTIVE BENEFITS/WILSON BROKERAGE3 | 120 EAST 4TH STREET SUITE 600 CINCINNATI, OH 45202 | GUARDIAN | $44 | — | $44 | 0.02% |
| MCGOAHN BARBENDER, INC.3 | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $2K | — | $2K | 13.00% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | GUARDIAN | $16 | $1K | $1K | 6.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $174K |
| MCGOHAN BRABENDER AGENCY INC EIN 31-1191330 NONE | Other commissions Service code 55 | — | $12K |
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 | 330 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 328 | $245K |
| Vision | GUARDIAN | 328 | $245K |
| Life insurance | GUARDIAN | 328 | $245K |
| Short-term disability(2 contracts) | GUARDIAN | 328 | $262K |
| Long-term disability | GUARDIAN | 328 | $245K |
| Stop-loss / reinsurancereinsurance | TOKIO | 326 | $502K |
| Other | GUARDIAN | 328 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.