| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY | $44K | $4K | $48K | 4.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $3K | — | $3K | 5.34% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | DELTA DENTAL OF OHIO | $517 | — | $517 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 13.26% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | UNION SECURITY INSURANCE COMPANY | $447 | — | $447 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | PRUDENTIAL | $1K | — | $1K | 9.24% |
| HOFFMAN INSURANCE AGENCY3 | 2 BEREA COMMONS, SUITE 10 BEREA, OH 44017 | PRUDENTIAL | $112 | — | $112 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | EYEMED | $2K | — | $2K | 13.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $846 | $290 | $1K | 12.45% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81 | — | $81 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DR. DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $537 | — | $537 | 9.56% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | PO BOX 6824 GRAND RAPIDS, MI 49516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $86 | $86 | 1.53% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DR. DAYTON, OH 45439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.68% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 231 | $979K |
| Dental | DELTA DENTAL OF OHIO | 267 | $51K |
| Vision | EYEMED | 215 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 138 | $59K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $6K |
| Long-term disability | PRUDENTIAL | 138 | $15K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.