| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER, INC. | 3931 S. DIXIE DRIVE MORAINE, OH 454392313 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $7K | $35K | 18.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER, INC. | 3931 S. DIXIE DRIVE MORAINE, OH 454392313 | VISION SERVICE PLAN | $2K | — | $2K | 3.58% |
| AMERICAN INSURNET AGENCY INC3 Filed as: AMERICAN INSURNET AGENCY INC. | 644 LINN ST, SUITE 1100 CINCINNATI, OH 452031742 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 6.37% |
| CHARLES F EBERLE3 | 2640 BAYHILL CT CINCINNATI, OH 452334200 | KANAWHA INSURANCE COMPANY | $898 | — | $898 | 2.29% |
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | KANAWHA INSURANCE COMPANY | $167 | $67 | $234 | 0.60% |
| SALLY A PEARSON3 | 644 LINN ST, SUITE 1100 CINCINNATI, OH 452031742 | KANAWHA INSURANCE COMPANY | $145 | — | $145 | 0.37% |
| DONNA KENWRIGHT3 | 1012 EAST MT ZION ROAD INDEPENDENCE, KY 410519533 | KANAWHA INSURANCE COMPANY | $75 | — | $75 | 0.19% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 328 | $47K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $234K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $234K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $195K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.