| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENER AGENCY, INC. | 625 EDEN PARK DRIVE, SUITE 250 CINCINNATI, OH 45202 | RELIASTAR LIFE INSURANCE COMPANY | $88K | $36K | $123K | 11.96% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | RELIASTAR LIFE INSURANCE COMPANY | $58K | $0 | $58K | 5.57% |
| BENE RE LLC3 | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.86% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.77% |
| C2 CENTRIC LLC3 | 8804 SOUTH WINNIPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.51% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,334 | $1.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,334 | $1.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,334 | $1.0M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,334 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.