| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC. | 3931 S DIXIE DR DAYTON, OH 45439 | MEDICAL MUTUAL | $15K | $5K | $20K | 1.75% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | MEDICAL MUTUAL | $8K | $155 | $9K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $7K | — | $7K | 8.30% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | GUARDIAN | $3K | — | $3K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER, INC. | 3931 S DIXIE DR MORAINE, OH 45439 | VISION SERVICE PLAN | $799 | — | $799 | 4.59% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $214 | — | $214 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $2K | $5K | $7K | 72.16% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | GUARDIAN | $918 | — | $918 | 9.51% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | GUARDIAN | $83 | — | $83 | 0.86% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 93 | $1.2M |
| Dental | GUARDIAN | 115 | $10K |
| Vision | VISION SERVICE PLAN | 91 | $17K |
| Life insurance | GUARDIAN | 141 | $82K |
| Long-term disability | GUARDIAN | 141 | $82K |
| Other | GUARDIAN | 141 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.