| 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 | SUPERIOR DENTAL CARE | $6K | — | $6K | 7.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $3K | $213 | $3K | 6.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $6K | $193 | $6K | 15.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $3K | $90 | $4K | 13.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $2K | — | $2K | 17.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $972 | $28 | $1K | 12.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUSTOM DESIGN BENEFITS EIN 82-0563218 CLAIMS PROCESSING | Claims processing Service code 12 | — | $51K |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $37K |
| MCGOHAN BARBENDER EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $9K |
| JAMES SCOTT EIN 54-0372970 BROKER | Other commissions Service code 55 | — | $4K |
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 | 275 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 328 | $84K |
| Vision | EYEMED | 255 | $12K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE | 270 | $46K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE | 270 | $85K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE | 270 | $64K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 158 | $266K |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY | 270 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.