| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 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 AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | SUPERIOR DENTAL CARE, INC | $8K | — | $8K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY | 3931 S DIXIE DR DAYTON, OH 45439 | THE GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 8.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | HUMANA INSURANCE COMPANY | $800 | — | $800 | 2.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $323K |
| MCGOHAN BRABENDER AGENCY INS EIN 31-1191330 BROKER | Other services; Other commissions; Claims processing Service code 12 | 3931 S DIXIE DR DAYTON, OH 45439 | $56K |
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 | 792 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 15 | $32K |
| Dental | SUPERIOR DENTAL CARE, INC | 792 | $193K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 578 | $168K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 578 | $168K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 425 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.