| 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 | DELTA DENTAL OF OHIO | $8K | — | $8K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 19.22% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $898 | $898 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.22% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $533 | $533 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.20% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $399 | $399 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | — | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | $7K | — | $7K | 51.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $929 | $271 | $1K | 19.37% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $93 | $93 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $812 | — | $812 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $460 | — | $460 | 15.01% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 211 | $79K |
| Vision | VISION SERVICE PLAN | 78 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $36K |
| Prescription drug | RXBENEFITS, INC. | 93 | $189K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 96 | $278K |
| Other(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.