| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF OHIO | $3K | — | $3K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.11% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.95% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | $0 | $220 | $220 | 0.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 2400 EAST COMMERCIAL BOULEVARD FRT LAUDERDALE, FL 33308 | SUN LIFE | $628 | — | $628 | 22.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 720 EAST PETE ROSE WAY CINCINNATI, OH 45202 | SUN LIFE | $552 | — | $552 | 20.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 312 ELM STREET CINCINNATI, OH 45202 | UNION SECURITY | $449 | — | $449 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $73K |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 348 | $2.4M |
| Dental | DELTA DENTAL OF OHIO | 300 | $100K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 287 | $69K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 287 | $69K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 287 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.