| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | SIDECAR HEALTH INSURANCE COMPANY | $35K | — | $35K | 2.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 S DIXIE DR DAYTON, OH 45439 | SIDECAR HEALTH INSURANCE COMPANY | $7K | — | $7K | 0.47% |
| HUNTINGTON INSURANCE INC3 | LOCKBOX 4238 COLUMBUS, OH 43260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.36% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.64% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $156 | $156 | 0.26% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 7 EASTON OVAL COLUMBUS, OH 43219 | SUPERIOR DENTAL CARE | $4K | $6 | $4K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC. | 3931 W. DIXIE DR. DAYTON, OH 45439 | SUPERIOR DENTAL CARE | $396 | $1 | $397 | 0.83% |
| HUNTINGTON INSURANCE INC3 | LOCKBOX 4238 COLUMBUS, OH 43260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.60% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.40% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $111 | $111 | 0.24% |
| HUNTINGTON INSURANCE INC3 | 7 EASTON OVAL COLUMBUS, OH 43219 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.39% |
| THE CASON GROUP INC3 | 1612 MARION ST 4TH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $438 | $365 | $803 | 1.88% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $160 | $160 | 0.37% |
| HUNTINGTON INSURANCE INC3 | LOCKBOX 4238 COLUMBUS, OH 43260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.40% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $829 | — | $829 | 2.60% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $83 | $83 | 0.26% |
| MCGOHAN BRABENDE3 | 3931 S. DIXIE AVE. DAYTON, OH 45439 | EYEMED VISION CARE | $468 | — | $468 | 2.55% |
| HUNTINGTON INSURANCE INC3 | LOCKBOX 4238 COLUMBUS, OH 43260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $667 | — | $667 | 12.60% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $200 | $200 | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127 | — | $127 | 2.40% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13 | $13 | 0.25% |
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 | 403 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIDECAR HEALTH INSURANCE COMPANY | 173 | $1.5M |
| Dental | SUPERIOR DENTAL CARE | 146 | $48K |
| Vision | EYEMED VISION CARE | 231 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 403 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 51 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $32K |
| Prescription drug | SIDECAR HEALTH INSURANCE COMPANY | 173 | $1.5M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 403 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.