| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 625 EDEN PARK DRIVE SUITE 250 CINCINNATI, OH 45202 | RELIASTAR LIFE INSURANCE COMPANY | $51K | $3K | $54K | 14.11% |
| PLATINUM ENROLLMENT SOLUTIONS3 Filed as: PLATINUM ENROLLMENT SOLUTIONS, LLC | 7100 FOUNDRY ROW, SUITE 288-53 LIBERTY TWP, OH 45069 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.21% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.18% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 8804 SOUTH WINNIPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.99% |
| PLATINUM ENROLLMENT SOLUTIONS3 Filed as: PLATINUM ENROLLMENT SOLUTIONS, LLC | 7100 FOUNDRY ROW SUITE 288-53 LIBERTY TOWNSHIP, OH 45069 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN | 8040 HOSBROOK ROAD SUITE 100 CINCINNATI, OH 45243 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 1.69% |
| OCHS INC3 Filed as: OCHS, INC. | 400 ROBERT STREET NORTH, SUITE 1880 SAINT PAUL, MN 55101 | TRUSTMARK INSURANCE COMPANY | $437 | — | $437 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | AMERITAS LIFE INSURANCE CORP | $6K | $3K | $9K | 15.05% |
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 | 512 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 941 | $60K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 804 | $442K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 804 | $382K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 804 | $382K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 804 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.