| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $1K | $10K | 16.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS, INC. | $3K | $0 | $3K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| INSURANCE ASSOCIATES PLUS, INC.3 | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $653 | $0 | $653 | 5.00% |
| NADIA A. GULED3 | 2071 SPRUCEFIELD ROAD COLUMBUS, OH 43229 | AFLAC | $557 | $0 | $557 | 29.88% |
| KIMBERLY NIETO3 | 5419 CLUB DRIVE WESTERVILLE, OH 43082 | AFLAC | $104 | $0 | $104 | 5.58% |
| KRISTIN LEE CHAPMAN3 | 5799 THATCHER DRIVE DUBLIN, OH 43017 | AFLAC | $69 | $0 | $69 | 3.70% |
| THE PROFECTUS GROUP LLC3 | 450 WEST WILSON BRIDGES ROAD SUITE 110 WORTHINGTON, OH 43085 | AFLAC | $65 | $0 | $65 | 3.49% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $60K |
| Dental | DENTAL CARE PLUS, INC. | 193 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 213 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $60K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $60K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.