| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $24K | $29K | 2.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $5K | $8K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OK 45439 | MEDICAL MUTUAL | $27K | $26K | $52K | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $5K | $7K | $11K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $3K | $4K | $7K | 22.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OMAHA LIFE | $2K | — | $2K | 10.00% |
| ASSSURED PARTENRS OF OHIO3 | 1340 DEPOT STREET ROCKY RIVER, OK 44116 | UNITED OF OMAHA LIFE | — | $610 | $610 | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE STANDARD | $1K | $2K | $3K | 15.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO | 1105 SCHROCK ROAD COLUMBUS, OH 43229 | PROVIDENT LIFE | $743 | — | $743 | 6.01% |
| PHILIP N. MCKELVEY3 Filed as: PHILIP MCKELVEY | 600 WEST LOVELAND AVENUE LOVELAND, OH 45140 | PROVIDENT LIFE | $52 | — | $52 | 0.42% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 301 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $208K |
| Vision(2 contracts, 2 carriers) | THE STANDARD | 293 | $40K |
| Long-term disability(3 contracts, 3 carriers) | MEDICAL MUTUAL | 582 | $1.0M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 301 | $1.1M |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE | 44 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.