| 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 | SYMETRA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUPERIOR DENTAL CARE, INC. | $8K | $969 | $9K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | $15K | $387 | $16K | 15.38% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | $0 | $496 | $496 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | $9K | $203 | $9K | 15.35% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | $0 | $282 | $282 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $168 | $7K | 15.36% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | PO BOX 11229 COLUMBIA, SC 29011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $226 | $226 | 0.49% |
| VARIOUS3 | 123 MAIN STREET DAYTON, OH 45439 | AFLAC | $2K | $12 | $2K | 13.80% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.50% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 294 | $185K |
| Vision | VISION SERVICE PLAN | 291 | $53K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 459 | $46K |
| Long-term disability | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | 459 | $57K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 341 | $504K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONALLIFE INSURANCE COMPANY | 459 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.