| 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 | UNION SECURITY | $622 | — | $622 | 5.00% |
| MARLENE GUTTMAN3 | 9201 SHALLOW CREEK DRIVE LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $702 | — | $702 | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $506 | — | $506 | 4.37% |
| CHRISTOPHER E BIALKA3 Filed as: CHRISTOPHER BIALKA | 4460 BLACK OAK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 1.03% |
| GENESIS COFFEY3 | 8150 CORPORATE PARK DRIVE CINCINNATI, OH 45242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.85% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | POST OFFICE BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.79% |
| THOMAS A CARMICHAEL3 Filed as: THOMAS GENTZ | 3848 CHERRY BROOK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.46% |
| THOMAS A CARMICHAEL3 Filed as: THOMAS GENTZ | 3848 CHERRY BROOK LANE MASON, OH 45040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UDC OF OHIO, INC. | $726 | — | $726 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $25K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $3K |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD SECURITY LIFE | 145 | $145K |
| Dental(3 contracts, 3 carriers) | STANDARD SECURITY LIFE | 145 | $164K |
| Life insurance | STANDARD SECURITY LIFE | 145 | $145K |
| Short-term disability | STANDARD SECURITY LIFE | 145 | $145K |
| Long-term disability | STANDARD SECURITY LIFE | 145 | $145K |
| Prescription drug | STANDARD SECURITY LIFE | 145 | $145K |
| Stop-loss / reinsurancereinsurance(2 contracts) | STANDARD SECURITY LIFE | 146 | $674K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 142 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.