| 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 | TOKIO MARINE | $0 | $9K | $9K | 2.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | TOKIO MARINE | $0 | $4K | $4K | 1.00% |
| KIM REDO4 | 2019 RUSTIC ROAD DAYTON, OH 45405 | PRE-PAID LEGAL SERVICE DBA LEGAL SHIELD | $426 | — | $426 | 6.74% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRE-PAID LEGAL SERVICE DBA LEGAL SHIELD | $232 | — | $232 | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PBM | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $393K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $33K |
| NAVIA EIN 96-1467758 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $6K |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 462 | $128K |
| Vision | UNITED HEALTHCARE | 157 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 236 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 236 | $28K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 211 | $442K |
| Other | PRE-PAID LEGAL SERVICE DBA LEGAL SHIELD | 49 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.