| 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 | $31K | $382 | $31K | 15.95% |
| TRACEY HINRICHS3 Filed as: TRACEY HENRICHS | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | HUMANA | $444 | — | $444 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $6K | — | $6K | 13.37% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $434 | $9 | $443 | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | KANAWHA INSURANCE COMPANY | $193 | — | $193 | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA EIN 39-1263473 CLAIMS PROCESSOR | Claims processing Service code 12 | 500 WEST MAIN STREET LOUISVILLE, KS 40202 | $69K |
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 | 142 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 220 | $57K |
| Life insurance(3 contracts, 3 carriers) | HUMANA | 147 | $247K |
| Short-term disability | GUARDIAN | 43 | $42K |
| Long-term disability | GUARDIAN | 43 | $42K |
| Stop-loss / reinsurancereinsurance | HUMANA | 147 | $195K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 142 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.