| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | 8535 N DIXIE DR SUITE A DAYTON, OH 454142480 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 0.52% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | 8535 NORTH DIXIE DRIVE SUITE 1 DAYTON, OH 45414 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $161K | — | $161K | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 2 PRESTIGE PL SUITE 130 MIAMISBURG, OH 45342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 3.80% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | 8535 NORTH DIXIE DRIVE SUITE 1 DAYTON, OH 45414 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $126K | — | $126K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 2 PRESTIGE PL SUITE 130 MIAMISBURG, OH 45342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | — | $44K | 5.18% |
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, INC. | 8535 N DIXIE DR SUITE 1 DAYTON, OH 454142480 | VISION SERVICE PLAN | $4K | — | $4K | 0.69% |
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 | 2,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,392 | $1.7M |
| Vision | VISION SERVICE PLAN | 2,041 | $534K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,985 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,678 | $853K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,392 | — |
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.