| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS3 | 3700 COLONNADE PARKWAY BIRMINGHAM, AL 36243 | RX BENEFITS | $0 | $7K | $7K | 0.62% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFIT LLC | 2734 NORTH MILDRED AVENUE CHICAGO, IL 60614 | GUARDIAN | $6K | $2K | $8K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | TOKIO MARINE HCC | $7K | — | $7K | 2.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | TOKIO MARINE HCC | $3K | — | $3K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $4K | — | $4K | 10.06% |
| STEELE INSURANCE AND FINANCIAL SVCS3 Filed as: STEELE INSURANCE AND FINANCIAL | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IA 46234 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 79.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $877 | $6K | 20.39% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $27K |
| Dental | DENTAL CARE PLUS | 709 | $182K |
| Vision | EYEMED | 689 | $44K |
| Life insurance | GUARDIAN | 303 | $385K |
| Short-term disability | GUARDIAN | 303 | $385K |
| Long-term disability | GUARDIAN | 303 | $385K |
| Prescription drug | RX BENEFITS | 264 | $1.1M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 267 | $334K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 303 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.