| 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 | $8K | $0 | $8K | 7.19% |
| 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 | $6K | $0 | $6K | 7.19% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $790 | $790 | 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 | $3K | $0 | $3K | 7.19% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $379 | $379 | 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 | $1K | $0 | $1K | 7.19% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 52 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $281 | $281 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $188 | $188 | 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 | $1K | $0 | $1K | 7.19% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $264 | $264 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $176 | $176 | 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 | $1K | $0 | $1K | 7.19% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $251 | $251 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $167 | $167 | 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 | $450 | $0 | $450 | 7.19% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $94 | $94 | 1.50% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $62 | $62 | 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 | $342 | $0 | $342 | 7.18% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $71 | $71 | 1.49% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $48 | $48 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $104 | $0 | $104 | 7.23% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $22 | $22 | 1.53% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $14 | $14 | 0.97% |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 202 | $292K |
| Short-term disability(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 202 | $292K |
| Long-term disability(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 202 | $292K |
| Other(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 202 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.