| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.3 Filed as: RXBENEFITS | 3700 COLONNADE PARKWAY BIRMINGHAM, AL 35243 | RXBENEFITS | — | $106K | $106K | 2.99% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVE PO BOX 107 REYNOLDSBURG, OH 43068 | UNIMERICA INSURANCE COMPANY | $33K | — | $33K | 5.00% |
| CLEARPATH BENEFITS3 | 300 SPRUCE STREET COLUMBUS, OH 42315 | UNIMERICA INSURANCE COMPANY | $32K | — | $32K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $2K | — | $2K | 2.44% |
| CLEARPATH BENEFITS3 | 300 SPRUCE STREET COLUMBUS, OH 42315 | DELTA DENTAL OF OHIO | $2K | — | $2K | 1.87% |
| CLEARPATH BENEFITS3 | 300 SPRUCE STREET COLUMBUS, OH 42315 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.05% |
| CLEARPATH BENEFITS3 | 300 SPRUCE STREET COLUMBUS, OH 42315 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | VISION SERVICE PLAN | $946 | — | $946 | 4.70% |
| CLEARPATH BENEFITS3 | 300 SPRUCE STREET COLUMBUS, OH 42315 | VISION SERVICE PLAN | $572 | — | $572 | 2.84% |
| BAC AGENCY, INC.5 Filed as: BAC AGENCY, INC | 6331 EAST LIVINGSTON AVENUE PO BOX 107 REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE | $2K | — | $2K | 9.98% |
| CLEARPATH BENEFITS3 | 300 SPRUCE STREET COLUMBUS, OH 42315 | STANDARD INSURANCE COMPANY | $903 | — | $903 | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $664 | — | $664 | 3.73% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 185 | $653K |
| Dental | DELTA DENTAL OF OHIO | 276 | $88K |
| Vision | VISION SERVICE PLAN | 108 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY | 119 | $35K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 197 | $41K |
| Prescription drug(2 contracts, 2 carriers) | RXBENEFITS | 185 | $4.2M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 185 | $653K |
| Other | UNITED HEALTHCARE | 185 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.