| 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 | COMMUNITY INSURANCE COMPANY | $76K | $9K | $85K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $4K | $4K | $8K | 9.84% |
| ADP INC3 Filed as: ADP | P.O. BOX 830972 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $5K | $4K | $9K | 12.12% |
| ADP INC3 Filed as: ADP | P.O. BOX830972 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $8K | $4K | $12K | 22.20% |
| ADP INC3 Filed as: ADP | P.O. BOX 830972 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.52% |
| STEELE INSURANCE AGENCY3 Filed as: STEELE INSURANCE AND FINANCAIL SERV | 1990 FAIRGROVE AVENUE HAMILTON, OH 45011 | MET LIFE INSURANCE COMPANY | $7K | — | $7K | 13.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | MET LIFE INSURANCE COMPANY | $5K | — | $5K | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DIVE DAYTON, OH 45439 | EYEMED | $3K | — | $3K | 13.80% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 396 | $3.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 396 | $3.2M |
| Vision | EYEMED | 309 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 353 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 279 | $82K |
| Long-term disability | STANDARD INSURANCE COMPANY | 257 | $74K |
| Other | MET LIFE INSURANCE COMPANY | 118 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.