| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFIT LLC | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CONTRACT ADMINISTRATOR | Other services; Claims processing Service code 12 | — | $239K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $10K |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 864 | $203K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 843 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 780 | $401K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 780 | $401K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 780 | $401K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE | 833 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 780 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.