| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.3 | POST OFFICE BOX 382377 BIRMINGHAM, AL 35238 | RX BENEFITS | $0 | $11K | $11K | 0.44% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT STREET WAUSAU, WI 54403 | RELIASSTAR | $0 | $30K | $30K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $37K | $13K | $50K | 12.57% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY PORTLAND, OR 97223 | GUARDIAN | $472 | — | $472 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CIGNA | $6K | — | $6K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $251 | — | $251 | 8.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CONTRACT ADMIN | Claims processing Service code 12 | — | $494K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $79K |
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 | 717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 2 | $70K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 907 | $468K |
| Vision | GUARDIAN | 907 | $398K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 907 | $401K |
| Short-term disability | GUARDIAN | 907 | $398K |
| Long-term disability | GUARDIAN | 907 | $398K |
| Prescription drug | RX BENEFITS | 713 | $2.5M |
| Stop-loss / reinsurancereinsurance | RELIASSTAR | 1,655 | $1.0M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 907 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,655 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.