| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.23% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.77% |
| BAC AGENCY, INC.5 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BAC AGENCY, INC.3 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BAC AGENCY, INC.3 Filed as: BAC AGENCY INC. | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BAC AGENCY, INC.3 | 6331 EAST LIVINGSTON AVENUE REYNOLDSBURG, OH 43068 | UNITED OF OMAH LIFE INSURANCE COMPANY | $980 | — | $980 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS ADMINISTRATORS INC. CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 6331 EAST LIVINGSTON AVE REYNOLDSBURG, OH 43068 | $51K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NETWORK PROVIDER | Insurance services Service code 23 | — | $24K |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 140 | $51K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $67K |
| Life insurance | UNITED OF OMAH LIFE INSURANCE COMPANY | 172 | $10K |
| Short-term disability | UNITED OF OMAH LIFE INSURANCE COMPANY | 172 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $12K |
| Prescription drug(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 140 | $51K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 140 | $51K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 140 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
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.