| 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 | $52K | — | $52K | 7.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OHMAHA LIFE INS. CO. | $15K | $6K | $21K | 11.60% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OHMAHA LIFE INS. CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OHMAHA LIFE INS. CO. | $0 | $4K | $4K | 2.40% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC. | 1612 MARION STREET CULUMBIA, SC 29201 | UNITED OF OHMAHA LIFE INS. CO. | $0 | $399 | $399 | 0.22% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 6.97% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE | $311 | — | $311 | 1.86% |
| VARIOUS3 | 123 MAIN STREET DAYTON, OH 45439 | AMERICAN HERITAGE LIFE | $273 | — | $273 | 1.63% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OHMAHA LIFE INS. CO. | 196 | $178K |
| Vision | UNITED OF OHMAHA LIFE INS. CO. | 196 | $178K |
| Life insurance | UNITED OF OHMAHA LIFE INS. CO. | 196 | $178K |
| Short-term disability | UNITED OF OHMAHA LIFE INS. CO. | 196 | $178K |
| Long-term disability | UNITED OF OHMAHA LIFE INS. CO. | 196 | $178K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 148 | $681K |
| Other(2 contracts, 2 carriers) | UNITED OF OHMAHA LIFE INS. CO. | 196 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
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.