| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MCGOHAN BRABENDER AGENCY, INC | 3931 S DIXIE DR MORAINE, OH 45439 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTHCARE NONE | Claims processing Service code 12 | 2010 N. DAMEN AVE, STE F CHICAGO, IL 60647 | $910K |
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 31-1440175 NONE | Claims processing; Contract Administrator; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $574K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator Service code 13 | — | $372K |
| MCGOHAN BRAEBENDER AGENCY,INC EIN 31-1191330 NONE | Consulting (general) Service code 16 | — | $83K |
| LEDBETTER PARISI LLC EIN 03-0599899 NONE | Legal Service code 29 | — | $63K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Custodial (securities) Service code 19 | 777 E WISCONSIN AVE MILWAUKEE, WI 53202 | $54K |
| INCLUDED HEALTH, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1 CALIFORNIA ST. STE 2300 SAN FRANCISCO, CA 94111 | $42K |
| KELLEY GALLOWAY SMITH GOOLSBY, PSC EIN 61-1129886 NONE | Accounting (including auditing) Service code 10 | — | $40K |
| CUNI RUST AND STRENK EIN 31-1227755 NONE | Actuarial Service code 11 | — | $37K |
| LABCORP NONE | Claims processing Service code 12 | P.O. BOX 12140 BURLINGTON, NC 27216 | $32K |
| BETHESDA HEALTH CARE NONE | Consulting (general) Service code 16 | P.O. BOX 630185 CINCINNATI, OH 45263 | $31K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Consulting (pension) Service code 17 | — | $20K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | $18K |
| PNC BANK, NATIONAL ASSOCIATION EIN 25-1211909 NONE | Other investment fees and expenses; Custodial (securities) Service code 19 | — | $10K |
| SAV-RX EIN 47-0527013 NONE | Claims processing Service code 12 | — | $845 |
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 | 1,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 377 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 518 | $636K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,190 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,956 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.