| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INCE | 593 BROADWAY AVE BEDFORD, OH 44146 | COMMUNITY INSURANCE COMPANY | $911 | $0 | $911 | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $439 | $160 | $599 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $740 | $740 | 1.66% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $52 | $52 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $467 | $467 | 1.85% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $32 | $32 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 1.21% |
| BARRETT BENEFITS GROUP3 Filed as: BARRETT BENEFITS GROUP, INCE | PO BOX 46670 BEDFORD, OH 44146 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $182 | — | $182 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $202 | $202 | 1.66% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14 | $14 | 0.12% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 0 | $337K |
| Dental | COMMUNITY INSURANCE COMPANY | 0 | $337K |
| Vision | COMMUNITY INSURANCE COMPANY | 0 | $337K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $45K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $82K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $37K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.