| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 15.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $4K | $13K | 22.91% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $963 | $963 | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.83% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $868 | $868 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 5.12% |
| SCOTT EDWARDS3 | 375 NORTH HILLS BOULEVARD SPRINGBORO, OH 45066 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 10.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 16.48% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $148 | $148 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $444 | $2K | 22.98% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $110 | $110 | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGOHAN BRABENDER AGCY INS EIN 31-1191330 BROKER | Other commissions Service code 55 | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | $8K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $4K |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 216 | $45K |
| Vision | STANDARD INSURANCE COMPANY | 99 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $45K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $295K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.