| 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 | REKISTAR LIFE INSURANCE COMPANY | $1.2M | $118K | $1.3M | 15.74% |
| BENE RE LLC3 | 5217 MONROE STREET TOLEDO, OH 43623 | REKISTAR LIFE INSURANCE COMPANY | $0 | $155K | $155K | 1.84% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET CHICAGO, IL 60606 | REKISTAR LIFE INSURANCE COMPANY | $0 | $98K | $98K | 1.16% |
| C2 CENTRIC LLC3 | 8804 SOUTH WINNIPEG COURT AURORA, CO 80016 | REKISTAR LIFE INSURANCE COMPANY | $0 | $65K | $65K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 S DIXIE DRIVE DAYTON, OH 454392313 | GUARDIAN | $74K | — | $74K | 2.50% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | GUARDIAN | $0 | $44K | $44K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE HAMMONTON, OH 08037 | GUARDIAN | $4K | $1K | $5K | 16.63% |
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 | 4,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 3,775 | $3.0M |
| Vision | VISION SERVICE PLAN | 3,453 | $966K |
| Life insurance | REKISTAR LIFE INSURANCE COMPANY | 9,426 | $8.4M |
| Short-term disability(2 contracts, 2 carriers) | REKISTAR LIFE INSURANCE COMPANY | 9,426 | $8.5M |
| Long-term disability(2 contracts, 2 carriers) | REKISTAR LIFE INSURANCE COMPANY | 9,426 | $8.5M |
| Other | REKISTAR LIFE INSURANCE COMPANY | 9,426 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,426 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.