| 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 INSURANCE COMPANY | $43K | $1K | $44K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $2K | $667 | $3K | 8.68% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | THE STANDARD | $0 | $90 | $90 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METLIFE | $5K | — | $5K | 14.21% |
| STEELE INSURANCE AND FINANCIAL SERV3 Filed as: STEELE INSURANCE & FINANCIAL SER | 9020 CRAWFORD ROAD INDIANAPOLIS, IN 46077 | METLIFE | $3K | — | $3K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $661 | $104 | $765 | 14.91% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | THE STANDARD | $0 | $14 | $14 | 0.27% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 218 | $1.8M |
| Dental | COMMUNITY INSURANCE COMPANY | 218 | $1.8M |
| Vision | COMMUNITY INSURANCE COMPANY | 218 | $1.8M |
| Life insurance | THE STANDARD | 168 | $5K |
| Short-term disability | THE STANDARD | 158 | $36K |
| Other | METLIFE | 61 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.