| 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 | HARTFORD | $15K | $2K | $17K | 17.39% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 287 W MONROE STREET CHICAGO, IL 60606 | HARTFORD | $0 | $1K | $1K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUPERIOR DENTAL CARE | $5K | $3K | $8K | 8.85% |
| MARLENE GUTTMAN3 | 4010 EXECUTIVE PARK DRIVE CINCINNATI, OH 45241 | ALLSTATE | $11K | — | $11K | 16.65% |
| WYLER INSURANCE3 | 8950 COLERAIN AVENUE CINCINNATI, OH 45251 | ALLSTATE | $4K | — | $4K | 6.39% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 109 MARKET AVENUE NW HARTVILLE, OH 44632 | ALLSTATE | $335 | — | $335 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $3K | — | $3K | 14.95% |
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 | 303 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 210 | $94K |
| Vision | EYEMED | 308 | $21K |
| Life insurance | HARTFORD | 284 | $97K |
| Long-term disability | HARTFORD | 284 | $97K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY | 150 | $325K |
| Other(2 contracts, 2 carriers) | HARTFORD | 284 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.