| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | MEDICAL MUTUAL OF OHIO | $32K | $4 | $32K | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45402 | MEDICAL MUTUAL OF OHIO | $22K | $2K | $24K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45402 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INSURANCE | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | — | $316 | $316 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 9465 NEW YORK, NY 10087 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 3.20% |
| SCOTT EDWARDS3 | 375 NORTH HILLS BOULEVARD SPRINGBORO, OH 45066 | THE HARTFORD | $4K | — | $4K | 11.61% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 220 | $48K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $130K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $130K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $130K |
| Long-term disability | THE HARTFORD | 183 | $31K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 119 | $262K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.