| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.3 Filed as: RXBENEFITS | 3700 COLONNADE PARKWAY BIRMINGHAM, AL 35243 | RXBENEFITS | $0 | $5K | $5K | 0.48% |
| UMR, INC.3 Filed as: UMR | 115 WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE STREET CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $549 | $549 | 0.07% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $366 | $366 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD | $51K | — | $51K | 15.95% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 WEST MONROE STREET CHICAGO, IL 60606 | HARTFORD | $0 | $934 | $934 | 0.29% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE | $856 | $14 | $870 | 3.78% |
| BARTON JAMES BENSON3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $344 | — | $344 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM LIFE | $261 | — | $261 | 1.13% |
| JAMES BARTON3 | 945 RIVER ROAD GRANVILLE, OH 43023 | UNUM LIFE | $89 | — | $89 | 0.39% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE | $63 | — | $63 | 5.30% |
| BARTON JAMES BENSON3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNUM LIFE | $27 | — | $27 | 2.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $284K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $74K |
| CIGNA EIN 59-1031071 DENTAL CLAIMS PROCESSOR | Claims processing Service code 12 | — | $21K |
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 | 698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 527 | $34K |
| Life insurance | HARTFORD | 768 | $320K |
| Long-term disability | HARTFORD | 768 | $320K |
| Prescription drug | RXBENEFITS | 321 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $742K |
| Other(4 contracts, 3 carriers) | HARTFORD | 768 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.