| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.23% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $708 | $708 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY, INC. | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | VISION SERVICE PLAN | $575 | $0 | $575 | 3.77% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING CORP. | 10632 COUNTY ROAD 145 KENTON, OH 43326 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $946 | $28 | $974 | 6.96% |
| BRENDA K COX3 Filed as: BRENDA K. COX | 1039 SPRINGWAY DRIVE SHELBYVILLE, IN 46176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $0 | $233 | 1.67% |
| ASSUREDPARTNERS3 | 698 PERIMETER DRIVE LEXINGTON, KY 40517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.38% |
| JUSTIN J MCDONALD3 Filed as: JUSTIN J. MCDONALD AND OTHER AGENTS | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.12% |
| JEFFERY SMELCER3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.09% |
| JOSEPH MCDONALD3 | 12052 PEPPERMILL LANE PICKERINGTON, OH 43147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.08% |
| RICHARD BEYLAND3 | 519 WINDSOR PARK DRIVE CENTERVILLE, OH 45459 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.07% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 147 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $47K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.