| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER INC | 3931 S. DIXIE DR DAYTON, OH 45439 | MEDICAL MUTUAL | $18K | $18K | $36K | 28.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DR DAYTON, OH 454392313 | GUARDIAN | $8K | — | $8K | 12.56% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE CHICAGO, IL 60618 | GUARDIAN | $1K | $655 | $2K | 3.45% |
| C2 CENTRIC LLC3 | 11740 SW PARKWAY PORTLAND, OR 97223 | GUARDIAN | $48 | — | $48 | 0.08% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 99 | $126K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 207 | $118K |
| Long-term disability | GUARDIAN | 111 | $62K |
| Prescription drug | MEDICAL MUTUAL | 99 | $126K |
| Other | GUARDIAN | 111 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.