| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUPERIOR DENTAL CARE, INC | $55K | — | $55K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE HARTFORD | $80K | $23K | $103K | 6.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | THE HARTFORD | $0 | $40K | $40K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $9K | — | $9K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $156 | — | $156 | 4.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.8M |
| MCGOHAN BRABENDER, INC. EIN 31-1440175 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $0 |
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 | 2,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 782 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EYEMED | 101 | $3K |
| Dental | SUPERIOR DENTAL CARE, INC | 5,678 | $1.9M |
| Vision | EYEMED | 5,779 | $172K |
| Life insurance | THE HARTFORD | 2,869 | $1.6M |
| Short-term disability | THE HARTFORD | 2,869 | $1.6M |
| Long-term disability | THE HARTFORD | 2,869 | $1.6M |
| Prescription drug | CVS HEALTH | 5,983 | $10.0M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 5,983 | $1.6M |
| Other | THE HARTFORD | 2,869 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,983 | — |
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."
No prospect flags tripped on this filing.