| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DR. DAYTON, OH 454392313 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 3.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INS | 3931 S DIXIE DR. DAYTON, OH 454392313 | SUPERIOR DENTAL CARE, INC | $8K | — | $8K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DR. DAYTON, OH 454392313 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DAYTON, OH 454392313 | HUMANA INSURANCE COMPANY | $850 | — | $850 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $327K |
| MCGOHAN BRABENDER AGCY INS EIN 31-1191330 BROKER | Other services; Other commissions; Claims processing Service code 12 | 3931 S DIXIE DR DAYTON, OH 454392313 | $57K |
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 | 784 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 16 | $32K |
| Dental | SUPERIOR DENTAL CARE, INC | 784 | $201K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 577 | $172K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 577 | $172K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 462 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.