| 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 | $1.3M | — | $1.3M | 16.04% |
| BENE RE LLC3 | 5217 MONROE STREET TOLEDO, OH 43623 | REKISTAR LIFE INSURANCE COMPANY | $0 | $143K | $143K | 1.75% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET CHICAGO, IL 60606 | REKISTAR LIFE INSURANCE COMPANY | $0 | $96K | $96K | 1.17% |
| C2 CENTRIC LLC3 | 8804 SOUTH WINNIPEG COURT AURORA, CO 80016 | REKISTAR LIFE INSURANCE COMPANY | $0 | $64K | $64K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 S DIXIE DRIVE DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $116K | $70K | $185K | 6.11% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 1.37% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE | $4K | — | $4K | 2.62% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE | $517 | — | $517 | 0.31% |
| JACK THEIN3 | 868 HEATHER COURT VANDALIA, OH 45377 | PROVIDENT LIFE | $166 | — | $166 | 0.10% |
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 | 4,457 | 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) | 4,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,332 | $3.0M |
| Vision | VISION SERVICE PLAN | 3,446 | $937K |
| Life insurance(2 contracts, 2 carriers) | REKISTAR LIFE INSURANCE COMPANY | 9,387 | $11.2M |
| Short-term disability(2 contracts, 2 carriers) | REKISTAR LIFE INSURANCE COMPANY | 9,387 | $11.2M |
| Long-term disability(2 contracts, 2 carriers) | REKISTAR LIFE INSURANCE COMPANY | 9,387 | $11.2M |
| Other(3 contracts, 3 carriers) | REKISTAR LIFE INSURANCE COMPANY | 9,387 | $11.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,387 | — |
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.