| 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 | ANTHEM BLUE CROSS / BLUE SHIELD | $26K | — | $26K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ANTHEM BLUE CROSS / BLUE SHIELD | $5K | — | $5K | 6.97% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 234626791 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | ATTN - ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 234626791 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | ATTN - ACCOUNT MANAGEMENT 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $749 | — | $749 | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ANTHEM BLUE CROSS / BLUE SHIELD | $463 | — | $463 | 3.12% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS / BLUE SHIELD | 111 | $2.0M |
| Dental | ANTHEM BLUE CROSS / BLUE SHIELD | 113 | $76K |
| Vision | ANTHEM BLUE CROSS / BLUE SHIELD | 100 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $20K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.