| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $36K | $12K | $47K | 13.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $129K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Insurance agents and brokers Service code 22 | — | $75K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NETWORK PROVIDER | Consulting (general) Service code 16 | — | $52K |
| MEDICAL BENEFITS MUTTUAL EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | — | $15K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CONTRACT | Other fees Service code 99 | — | $14K |
| RX BENEFITS EIN 63-1157085 CONTRACT | Other fees Service code 99 | — | $11K |
| MIDLAND CHOICE EIN 47-0804331 CONTRACT | Other fees Service code 99 | — | $11K |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 984 | $357K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 984 | $357K |
| Prescription drug | RX BENEFITS | 609 | $1.3M |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE COMPANY | 607 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.