| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $19K | $1K | $20K | 2.08% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19K | — | $19K | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY | $18K | — | $18K | 1.90% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER AGENCY | 3931 S DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 2245 N BANK DRIVE COLUMBUS, OH 43220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $888 | $285 | $1K | 1.95% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH CO | 419 PLUM STREET SUITE 100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 93245 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $411 | — | $411 | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER INC. | 3931 S DIXIE DRIVE MORAINE, OH 45439 | VISION SERVICE PLAN | $386 | — | $386 | 3.15% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 87 | $972K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $60K |
| Vision | VISION SERVICE PLAN | 85 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $166K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $166K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $166K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.