| 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 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $18K | $10K | $28K | 15.72% |
| ADP INC3 | ATTN CLIENT AR #1667445 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.27% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| ADP INC3 | ATTN CLIENT AR #2526403 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $11K | $7K | $19K | 16.46% |
| ADP INC3 Filed as: ADP | ATTN CLIENT AR# 1667445 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.25% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| ADP INC3 | ATTN CLIENT AR# 2526403 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.25% |
| 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% |
| STRATEGIC NON-MEDICAL SOLUTION3 | STE 17100 ONE BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.86% |
| 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 | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | EYEMED VISION CARE | $2K | — | $2K | 10.00% |
| THREEFLOW3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $0 | $572 | $572 | 2.29% |
| THREEFLOW3 | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | EYEMED VISION CARE | $0 | $157 | $157 | 0.63% |
| THREEFLOW3 | 306 W ERIE ST CHICAGO, IL 60654 | EYEMED VISION CARE | $0 | $25 | $25 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DR DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $3K | $924 | $4K | 26.37% |
| ADP INC3 | ATTN CLIENT AR# 1667445 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $293 | $293 | 2.02% |
| ADP INC3 | ATTN CLIENT AR# 2526403 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $293 | $293 | 2.02% |
| STRATEGIC NON-MEDICAL SOLUTION3 | STE 17100 ONE BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $413 | $0 | $413 | 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 | $413 | $0 | $413 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $12K |
| MCGOHAN BRABENDER AGENCY INC BROKER | Other commissions Service code 55 | 3931 S DIXIE DR DAYTON, OH 45439 | $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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 407 | $200K |
| Vision | EYEMED VISION CARE | 374 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 303 | $177K |
| Long-term disability | STANDARD INSURANCE COMPANY | 303 | $114K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.