| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECOND ACT BENEFITS INC3 | 424 WARDS CORNER ROAD SUITE 120 LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $20K | — | $20K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $7K | — | $7K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.31% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | — | $510 | 0.49% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF OHIO | $4K | — | $4K | 6.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE STE 120 DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $2K | — | $2K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $833 | — | $833 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $909 | — | $909 | 3.06% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER RD STE 120 LOVELAND, OH 45140 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.87% |
| STRATEGIC BENEFITS OF CINCINNATI3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | EYEMED VISION CARE | $855 | — | $855 | 6.55% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 196 | $1.1M |
| Dental | DELTA DENTAL OF OHIO | 212 | $71K |
| Vision | EYEMED VISION CARE | 179 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $104K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.