| 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 | STANDARD INSURANCE COMPANY | $13K | $622 | $13K | 18.92% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $947 | $947 | 1.35% |
| CARON GROUP3 | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERITAS | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OK 45439 | AMERITAS | $3K | — | $3K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $12K | $684 | $13K | 19.28% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.56% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $889 | $889 | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $7K | $123 | $7K | 18.54% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $533 | $533 | 1.37% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 255 | $66K |
| Vision | AMERITAS | 255 | $66K |
| Life insurance | STANDARD INSURANCE COMPANY | 223 | $65K |
| Short-term disability | STANDARD INSURANCE COMPANY | 223 | $70K |
| Long-term disability | STANDARD INSURANCE COMPANY | 85 | $39K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 118 | $262K |
| Other | TOKIO MARINE | 118 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.