| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCE & ASSOCIAETS, INC.3 Filed as: FRANCE & ASSOCIATES | 5921 NORTH HIGH STREET WORTHINGTON, OH 43085 | RELIANCE STANDARD | $31K | — | $31K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD | $6K | — | $6K | 1.42% |
| FRANCE & ASSOCIAETS, INC.3 | 5921 NORTH HIGH STREET WORTHINGTON, OH 43085 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.49% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKERS | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.78% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BENEIFT SERVICE CENTER | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | RELIANCE STANDARD | $976 | — | $976 | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIANCE STANDARD | $795 | — | $795 | 6.15% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $193K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $193K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $206K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $193K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $193K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD | 353 | $420K |
| Other | RELIANCE STANDARD | 227 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.