| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.82% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $260 | $260 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $173 | $173 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 625 EDEN PARK DR STE 250 CINCINNAT, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $897 | $0 | $897 | 8.83% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $152 | $152 | 1.50% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $102 | $102 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $373 | $0 | $373 | 8.58% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $43 | $43 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNAT, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $218 | $0 | $218 | 8.57% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $38 | $38 | 1.49% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $26 | $26 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $128 | $0 | $128 | 8.60% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $22 | $22 | 1.48% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $15 | $15 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $108 | $0 | $108 | 8.83% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $19 | $19 | 1.55% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $12 | $12 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $52 | $0 | $52 | 8.54% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $9 | $9 | 1.48% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $6 | $6 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $46 | $0 | $46 | 8.66% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $8 | $8 | 1.51% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $5 | $5 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 625 EDEN PARK DR STE 250 CINCINNATI, OH 452026001 | RELIASTAR LIFE INSURANCE COMPANY | $9 | $0 | $9 | 8.74% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 606064500 | RELIASTAR LIFE INSURANCE COMPANY | — | $2 | $2 | 1.94% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $1 | $1 | 0.97% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 37 | $38K |
| Short-term disability(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 37 | $38K |
| Long-term disability(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 37 | $38K |
| Other(9 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 37 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.