| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 20.75% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $237 | $237 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $10K | $1K | $11K | 16.98% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $957 | $957 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $9K | $1K | $10K | 16.71% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $875 | $875 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | $388 | $8K | 18.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $6K | $530 | $6K | 16.38% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $578 | $578 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $6K | $775 | $6K | 17.09% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $557 | $557 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $949 | $99 | $1K | 16.56% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $95 | $95 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMINISTRATOR | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $207K |
| MCGOHAN BRABENDER, INC. EIN 31-1440175 BROKER | Other commissions Service code 55 | — | $0 |
| INGENIORX, INC. EIN 82-3062245 PBM | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | -$99K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 355 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 355 | $42K |
| Life insurance | LINCOLN NATIONAL LIFE | 548 | $39K |
| Short-term disability | LINCOLN NATIONAL LIFE | 223 | $64K |
| Long-term disability | LINCOLN NATIONAL LIFE | 115 | $37K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 665 | $0 |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 548 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
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.