| 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 | UNITED HEALTHCARE | $27K | $10K | $37K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $3K | $52 | $3K | 4.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $5K | $3K | $8K | 15.86% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | THE STANDARD | $0 | $346 | $346 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METLIFE | $3K | — | $3K | 11.39% |
| STEELE INSURANCE AGENCY3 | 1990 FAIRGROVE AVENUE HAMILTON, OH 45011 | METLIFE | $3K | — | $3K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $4K | $2K | $6K | 21.56% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | THE STANDARD | — | $222 | $222 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $1K | — | $1K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $2K | $2K | $4K | 45.25% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | P.O. BOX 6824 GRANDRAPIDS, MI 49516 | THE STANDARD | $0 | $73 | $73 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD | $37 | — | $37 | 10.91% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 103 | $1.4M |
| Dental | DELTA DENTAL OF OHIO | 231 | $58K |
| Vision | EYEMED | 208 | $13K |
| Life insurance | THE STANDARD | 129 | $27K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD | 129 | $48K |
| Long-term disability | THE STANDARD | 68 | $9K |
| Other(2 contracts, 2 carriers) | METLIFE | 129 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.