| 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 | — | $26K | 4.42% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $4K | 9.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.06% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $631 | — | $631 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | MEDICAL MUTUAL | $2K | $942 | $3K | 11.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $2K | $406 | $2K | 13.35% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | PO BOX 11229 COLUMBIA, SC 29011 | UNUM | $0 | $1K | $1K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $1K | — | $1K | 14.76% |
| THREEFLOW3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | EYEMED | $86 | — | $86 | 1.23% |
| VARIOUS3 | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 7.06% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 119 | $589K |
| Dental | MEDICAL MUTUAL | 64 | $24K |
| Vision | EYEMED | 101 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $44K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $44K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.