| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECOND ACT BENEFITS INC3 Filed as: SECOND ACT | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | COMMUNITY INSURANCE COMPANY | $17K | $1K | $18K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $1K | $378 | $2K | 0.60% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | DELTA DENTAL OF OHIO | $2K | — | $2K | 3.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $427 | — | $427 | 1.01% |
| STRATEGIC BENEFITS3 | 424 WARDS CORNER ROAD LOVELAND, OH 45140 | DELTA DENTAL OF OHIO | $422 | — | $422 | 1.00% |
| STRATEGIC BENEFITS3 | 424 WARD CORNER ROAD LOVELAND, OH 45140 | UNITED OF OMAHA | $4K | $2K | $6K | 15.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA | $1K | — | $1K | 3.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PARIOT GROWTH | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA | $0 | $960 | $960 | 2.47% |
| STRATEGIC BENEFITS3 | 424 WARD CORNER ROAD LOVELAND, OH 45140 | EYEMED | $488 | — | $488 | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $250 | — | $250 | 3.39% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 79 | $300K |
| Dental | DELTA DENTAL OF OHIO | 136 | $42K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 106 | $308K |
| Life insurance | UNITED OF OMAHA | 116 | $39K |
| Short-term disability | UNITED OF OMAHA | 116 | $39K |
| Long-term disability | UNITED OF OMAHA | 116 | $39K |
| Other | UNITED OF OMAHA | 116 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.