| 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 | HUMANA | $23K | $738 | $24K | 18.70% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | HUMANA | — | $1K | $1K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $6K | $931 | $7K | 15.52% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $2K | $45 | $2K | 7.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | KANAWHA INSURANCE COMPANY | $475 | $18 | $493 | 2.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA EIN 39-1263473 NONE | Claims processing Service code 12 | 500 WEST MAIN STREET LOUISVILLE, KS 40202 | $81K |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 261 | $54K |
| Life insurance(2 contracts, 2 carriers) | UNUM | 45 | $68K |
| Short-term disability | UNUM | 45 | $47K |
| Long-term disability | UNUM | 45 | $47K |
| Stop-loss / reinsurancereinsurance | HUMANA | 147 | $128K |
| Other | KANAWHA INSURANCE COMPANY | 34 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.