| 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 | SUN LIFE | $4K | $146 | $4K | 3.22% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE | $49 | $1K | $1K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD | $10K | — | $10K | 15.62% |
| ADP INC3 Filed as: AUTOMATIC PRO-INS AGENCY | P.O. BOX 28964 NEW YORK, NY 10087 | HARTFORD | $0 | $6K | $6K | 8.57% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 287 W MONROE STREET CHICAGO, IL 60606 | HARTFORD | $0 | $966 | $966 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUPERIOR DENTAL CARE | $4K | $3K | $6K | 9.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $343 | — | $343 | 1.50% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE | $0 | $343 | $343 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $3K | — | $3K | 14.90% |
| MARLENE GUTTMAN3 | 4010 EXECUTIVE PARK DRIVE CINCINNATI, OH 45241 | ALLSTATE | $11K | — | $11K | 71.58% |
| WYLER INSURANCE3 | 8950 COLERAIN AVENUE CINCINNATI, OH 45251 | ALLSTATE | $4K | — | $4K | 26.10% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 109 MARKET AVENUE NW HARTVILLE, OH 44632 | ALLSTATE | $342 | — | $342 | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $2K | — | $2K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 NORTH MONROE STREET CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE | $0 | $177 | $177 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $520 | — | $520 | 5.33% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE | $0 | $146 | $146 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $221 | — | $221 | 11.07% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 227 WEST MONROE STREET CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE | $0 | $30 | $30 | 1.50% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 137 | $63K |
| Vision | EYEMED | 290 | $19K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD | 275 | $66K |
| Short-term disability | LINCOLN NATIONAL LIFE | 267 | $23K |
| Long-term disability | LINCOLN NATIONAL LIFE | 267 | $10K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | SYMETRA | 175 | $507K |
| Other(4 contracts, 3 carriers) | HARTFORD | 275 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.