| 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 | $57K | $20K | $77K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HARTFORD | $20K | $5K | $25K | 12.34% |
| PHELAN INSURANCE AGENCY, INC.3 | POST OFFICE BOX 1 VERSAILLES, OH 45380 | HARTFORD | $364 | — | $364 | 0.18% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN & ASSOCIATES | 8044 MONTGOMERY CINCINNATI, OH 45439 | SUPERIOR DENTAL CARE | $7K | $3K | $9K | 14.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | PRINCIPAL | $3K | $308 | $4K | 10.43% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER | 2101 FLORENCE AVENUE CINCINNAT, OH 45206 | PRINCIPAL | $0 | $2K | $2K | 5.19% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 144 | $2.1M |
| Dental | SUPERIOR DENTAL CARE | 109 | $67K |
| Vision | PRINCIPAL | 105 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD | 189 | $240K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD | 189 | $240K |
| Long-term disability | HARTFORD | 189 | $204K |
| Other | HARTFORD | 189 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.