| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | HUMANA | $25K | — | $25K | 6.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HUMANA | $13K | — | $13K | 3.18% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DENTAL CARE PLUS | $2K | — | $2K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS | $2K | — | $2K | 2.10% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DENTAL CARE PLUS | $1K | — | $1K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS | $1K | — | $1K | 2.09% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | LINCOLN NATIONAL | $2K | $478 | $3K | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL | $2K | — | $2K | 4.57% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | LINCOLN NATIONAL | $1K | $506 | $2K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL | $1K | — | $1K | 3.21% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | LINCOLN NATIONAL | $1K | $370 | $2K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL | $1K | — | $1K | 3.80% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | LINCOLN NATIONAL | $2K | $448 | $3K | 10.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL | $2K | — | $2K | 6.19% |
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 | 462 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DENTAL CARE PLUS | 278 | $135K |
| Life insurance | LINCOLN NATIONAL | 430 | $33K |
| Short-term disability | LINCOLN NATIONAL | 429 | $46K |
| Long-term disability | LINCOLN NATIONAL | 430 | $50K |
| Stop-loss / reinsurancereinsurance | HUMANA | 314 | $404K |
| Other(2 contracts) | LINCOLN NATIONAL | 430 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.