| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $3K | $22K | 11.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $652 | $5K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 454392313 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 4.94% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PKWY, SUITE 450 COLUMBUS, OH 43240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $250 | $3K | 33.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $832 | — | $832 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 454392313 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 3392.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 454392313 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $7K | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing; Other commissions Service code 12 | — | $275K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 635 | $0 |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 1,009 | $29K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $189K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $90K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 494 | $194K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $448K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.