| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 S DIXIE DR MORAINE, OH 45439 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | RELIANCE STANDARD | $6K | $215 | $6K | 15.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $484 | $2K | 6.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DR DAYTON, OH 45439 | RELIANCE STANDARD | $5K | $173 | $5K | 15.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $365 | $2K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD | $3K | $112 | $3K | 15.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONESEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $991 | $238 | $1K | 6.20% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $164 | $4K | 31.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $25 | $2K | 12.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $753 | $173 | $926 | 7.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $753 | $753 | 6.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 432123891 | METROPOLITAN LIFE INSURANCE COMPANY | $102 | $12 | $114 | 0.92% |
| MARK METILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $151 | $3K | 30.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 S DIXIE DR DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $25 | $1K | 11.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $641 | $149 | $790 | 7.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $641 | $641 | 5.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $83 | $11 | $94 | 0.84% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $188 | $5K | 40.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 S DIXIE DR DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $25 | $2K | 15.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $740 | $174 | $914 | 8.25% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $740 | $740 | 6.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $126 | $14 | $140 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $57K |
| MCGOHAN BRABENDER AGENCY INC. BROKER | Insurance agents and brokers Service code 22 | 655 METRO PLACE SOUTH DUBLIN, OH 43017 | $40K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 70 | $35K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $97K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $97K |
| Life insurance | RELIANCE STANDARD | 292 | $39K |
| Short-term disability | RELIANCE STANDARD | 102 | $20K |
| Long-term disability | RELIANCE STANDARD | 289 | $32K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 95 | $477K |
| Other | RELIANCE STANDARD | 292 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.