| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 2.16% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $2K | $12K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE SUITE 640 DAYTON, OH 45439 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 6.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB | 1591 GALBRAITH AVENUE GRAND RAPIDS, IL 49546 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $8K | 6.14% |
| VARIOUS3 | 1362 IRONWOOD DRIVE LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 21.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $370 | — | $370 | 6.64% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $232 | — | $232 | 4.17% |
| THREEFLOW3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 0.32% |
No Schedule C service providers reported on this filing.
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 117 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 81 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $132K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $132K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 155 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.