| 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 | $28K | — | $28K | 5.30% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 441225837 | MEDICAL MUTUAL | $17K | — | $17K | 3.30% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 441225837 | UNITED OF OHMAHA LIFE INS. CO. | $5K | $3K | $8K | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITED OF OHMAHA LIFE INS. CO. | $5K | — | $5K | 7.27% |
| 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 | $5K | $5K | 6.49% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OHMAHA LIFE INS. CO. | $0 | $2K | $2K | 3.37% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 6.80% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE | $418 | — | $418 | 1.90% |
| VARIOUS3 | 123 MAIN STREET DAYTON, OH 45439 | AMERICAN HERITAGE LIFE | $317 | — | $317 | 1.44% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OHMAHA LIFE INS. CO. | 210 | $70K |
| Short-term disability | UNITED OF OHMAHA LIFE INS. CO. | 210 | $70K |
| Long-term disability | UNITED OF OHMAHA LIFE INS. CO. | 210 | $70K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL | 157 | $526K |
| Other | AMERICAN HERITAGE LIFE | 90 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.