| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 7.03% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.08% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.22% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $645 | $645 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.18% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $487 | $487 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $325 | $325 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.18% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $353 | $353 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $235 | $235 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.19% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $329 | $329 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $220 | $220 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $576 | $0 | $576 | 7.18% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $120 | $120 | 1.50% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $80 | $80 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $564 | $0 | $564 | 7.19% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $118 | $118 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $78 | $78 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $125 | $0 | $125 | 7.22% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $26 | $26 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $17 | $17 | 0.98% |
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 | 1,007 | 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) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 425 | $542K |
| Short-term disability(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 425 | $542K |
| Long-term disability(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 425 | $542K |
| Other(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 425 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.