| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | TOKIN MARINE - HCC | $0 | $10K | $10K | 2.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | TOKIN MARINE - HCC | $0 | $5K | $5K | 1.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFIT LLC | 306 WEST ERIE STREET CHICAGO, IL 60654 | GUARDIAN | $4K | $5K | $10K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BENE RE LLC3 | 5217 MONROE STREET TELEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $802 | $802 | 8.00% |
| ADP INC3 Filed as: ADP | POST OFFICE BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $675 | $675 | 6.73% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 586 | $203K |
| Vision | EYEMED | 500 | $27K |
| Life insurance | GUARDIAN | 351 | $193K |
| Short-term disability | GUARDIAN | 351 | $193K |
| Long-term disability | GUARDIAN | 351 | $193K |
| Stop-loss / reinsurancereinsurance | TOKIN MARINE - HCC | 280 | $500K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 351 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
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.