| 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 | COMMUNITY MUTUAL | $28K | $1K | $29K | 3.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | COMMUNITY MUTUAL | $20K | — | $20K | 2.36% |
| ERC SERVICES INC3 Filed as: ERC SERVICES | 6700 BETA DRIVE MAYFIELD VILLAGE, OH 44143 | COMMUNITY MUTUAL | $704 | — | $704 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ONEAMERICA | $16K | $2K | $18K | 16.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $4K | $4K | $8K | 12.22% |
| LIFETIME FINANCIAL3 | 419 PLUM STREET CINCINNATI, OH 45202 | GUARDIAN | $75 | — | $75 | 0.12% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY PORTLAND, OR 97223 | GUARDIAN | $57 | — | $57 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $427 | — | $427 | 5.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY MUTUAL | 210 | $851K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 101 | $71K |
| Vision(2 contracts, 2 carriers) | COMMUNITY MUTUAL | 210 | $913K |
| Life insurance | ONEAMERICA | 132 | $108K |
| Short-term disability | ONEAMERICA | 132 | $108K |
| Long-term disability | ONEAMERICA | 132 | $108K |
| Other | ONEAMERICA | 132 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.