| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $9K | 6.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $511 | $2K | 6.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $440 | $1K | 7.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $889 | $374 | $1K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $413 | $236 | $649 | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $341 | $172 | $513 | 7.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | $81 | $178 | 9.55% |
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 | 1,110 | 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) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(10 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $452K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $97K |
| Long-term disability(10 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $452K |
| Other(10 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.