| 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 | MEDICAL MUTUAL OF OHIO | $74K | $16K | $91K | 10.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | RELIASTAR LIFE INSURANCE | $111K | — | $111K | 30.27% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE | $0 | $5K | $5K | 1.28% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE | $0 | $550 | $550 | 0.15% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN | 6934 MIAMI AVENUE CINCINNATI, OH 45243 | TRUSTMARK INSURANCE | $11K | — | $11K | 17.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500FT JACKSON BOULEVARD COLUMBIA, SC 29209 | TRUSTMARK INSURANCE | $2K | — | $2K | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | TRUSTMARK INSURANCE | $2K | — | $2K | 2.53% |
| OCHS INC3 Filed as: OCHS | 400 ROBERT STREET NORTH ST. PAUL, MN 55101 | TRUSTMARK INSURANCE | $1K | — | $1K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRINCIPAL | $6K | $3K | $9K | 14.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $24K |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL | 930 | $59K |
| Life insurance | RELIASTAR LIFE INSURANCE | 808 | $367K |
| Short-term disability | RELIASTAR LIFE INSURANCE | 808 | $367K |
| Long-term disability | RELIASTAR LIFE INSURANCE | 808 | $367K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 527 | $886K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE | 808 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.