| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 3.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.00% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER ROAD CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 0.66% |
| JAMES BARTON3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $15K | — | $15K | 12.00% |
| BARTON JAMES BENSON3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $5K | — | $5K | 8.13% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE | $4K | — | $4K | 6.68% |
| JIM BARTON & ASSOCIATES, INC.3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $7K | — | $7K | 10.96% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $279 | $4K | 14.96% |
| JIM BARTON & ASSOCIATES, INC.3 Filed as: JIM BARTON & ASSOCIATES | 945 RIVER ROAD GRANVILLE, OH 43023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 14.42% |
| BARTON JAMES BENSON3 Filed as: BARTON JAMES | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $2K | — | $2K | 10.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS | POST OFFICE BOX 644213 PITTSBURGH, PA 15264 | PROVIDENT LIFE | $4 | $8 | $12 | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $163K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | P.O. BOX 476 GRANVILLE, OH 43023 | $75K |
| CIGNA EIN 59-1031071 DENTAL CLAIMS PROCESSOR | Claims processing Service code 12 | — | $15K |
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 | 787 | 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) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 614 | $46K |
| Life insurance | UNUM LIFE | 776 | $122K |
| Long-term disability(2 contracts) | UNUM LIFE | 776 | $137K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $640K |
| Other(5 contracts, 3 carriers) | UNUM LIFE | 776 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.
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.