| 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 | COMMUNITY INSURANCE COMPANY | $26K | $1K | $28K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $16K | $5K | $21K | 19.61% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $7K | $0 | $7K | 9.93% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 19.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | STANDARD INSURANCE COMPANY | $2K | $758 | $3K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 19.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | STANDARD INSURANCE COMPANY | $1K | $571 | $2K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 26.05% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | STANDARD INSURANCE COMPANY | $1K | $2K | $3K | 10.22% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | -$13 | $0 | -$13 | -0.09% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 190 | $1.2M |
| Dental | DELTA DENTAL OF OHIO | 223 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 190 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 160 | $51K |
| Short-term disability | STANDARD INSURANCE COMPANY | 61 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 160 | $107K |
| Other | STANDARD INSURANCE COMPANY | 160 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.