| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | ONE SOUTH WACKER, SUITE 1300 CHICAGO, IL 60606 | TOKIO MARINE HCC | $3K | — | $3K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $0 | $1K | $1K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $0 | $541 | $541 | 1.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | PROVIDENT LIFE | $2K | $154 | $2K | 9.83% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE | $0 | $368 | $368 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PROVIDENT LIFE | $2K | $449 | $3K | 62.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | GPO 27447 NEW YORK, NY 10087 | PROVIDENT LIFE | $79 | — | $79 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $0 | $31 | $31 | 1.52% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | PROVIDENT LIFE | $95 | $4 | $99 | 13.69% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE | $0 | $14 | $14 | 1.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR AND BROKER | Other commissions; Claims processing Service code 12 | — | $109K |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS | 514 | $150K |
| Vision | EYEMED | 445 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $135K |
| Short-term disability(2 contracts) | PROVIDENT LIFE | 5 | $9K |
| Long-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 198 | $115K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 194 | $327K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.