| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 2.54% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DRIVE SUITE 510 BLUE ASH, OH 45242 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.20% |
| LEEN SPITLER BENEFITS GROUP LLC3 | 8051 WASHINGTON VILLAGE DRIVE SUITE 120 DAYTON, OH 45458 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| VAN METER INSURANCE AGENCY INC3 Filed as: VAN METER INSURANCE AGENCY | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $695 | $695 | 0.08% |
| HOUCHENS INSURANCE GROUP INC3 | 8051 WASHINTON VILLAGE DRIVE DAYTON, OH 45458 | SUPERIOR DENTAL CARE | $4K | — | $4K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $910 | $3K | 6.16% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES IND DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $617 | $617 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $519 | $9K | 37.38% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES IND DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $371 | $371 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $250 | $3K | 11.03% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS INC DBA THREEFL | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $363 | $363 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | $22 | $289 | 10.84% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES IND DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40 | $40 | 1.50% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $848K |
| Dental | SUPERIOR DENTAL CARE | 90 | $65K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $848K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $872K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 98 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 98 | $41K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $875K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
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.