| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | THE GUARDIAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 14.15% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.62% |
| THE CASON GROUP INC3 | 1612 MARION ST 4TH FL COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY | -$544 | $0 | -$544 | -0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARBENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $859 | $223 | $1K | 8.72% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $15 | $15 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARBENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $61 | $0 | $61 | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARBENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $362 | $0 | $362 | 9.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARNDENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $411 | $0 | $411 | 15.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BARBENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $285 | $75 | $360 | 19.69% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $10 | $10 | 0.55% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 121 | $137K |
| Vision | STANDARD INSURANCE COMPANY | 82 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 121 | $136K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 121 | $135K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 121 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.