| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNITED HEALTHCARE INSURANCE COMPANY | $29 | $1K | $1K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | GUARDIAN | $36K | $0 | $36K | 10.43% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $7K | $0 | $7K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | DELTA DENTAL OF OHIO | $5K | $0 | $5K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | EYEMED VISION CARE | $3K | $0 | $3K | 10.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $230 | $0 | $230 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $386 | $0 | $386 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $386 | $0 | $386 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | EYEMED VISION CARE | $42 | $0 | $42 | 11.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $3 | $0 | $3 | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $131K |
| MCGOHAN BRABENDER AGENCY INC EIN 31-1191330 BROKER | Other commissions Service code 55 | 3931 S DIXIE DR DAYTON, OH 45439 | $4K |
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 | 338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 413 | $177K |
| Vision(2 contracts) | EYEMED VISION CARE | 374 | $26K |
| Life insurance | GUARDIAN | 331 | $345K |
| Short-term disability | GUARDIAN | 331 | $345K |
| Long-term disability | GUARDIAN | 331 | $345K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 379 | $697K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.