| 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 ASSURANCE COMPANY OF CANADA | $12K | $934 | $13K | 3.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $311 | $4K | 1.00% |
| MERITAIN HEALTH3 | ONE SOUTH WACKER, SUITE 1300 CHICAGO, IL 60606 | TOKIO MARINE HCC | $1K | — | $1K | 1.00% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | P.O. BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.50% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | P. O. BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | PROVIDENT LIFE | $2K | $131 | $2K | 7.80% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE | $0 | $287 | $287 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PROVIDENT LIFE | $1K | — | $1K | 16.08% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | PROVIDENT LIFE | $57 | $5 | $62 | 7.26% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE | $0 | $4 | $4 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR AND BROKER | Claims processing; Other commissions Service code 12 | — | $134K |
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 | 231 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS | 556 | $172K |
| Vision | EYEMED | 506 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 221 | $101K |
| Short-term disability(2 contracts) | PROVIDENT LIFE | 4 | $8K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 222 | $58K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.