| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 S DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN LIFE INSURANCE COMPANY | $16K | $6K | $22K | 15.93% |
| C2 CENTRAL LLC3 | 11740 SW 68TH PARKWAY, SUITE2 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $1.3M |
| MCGOHAN BRABENDER AGENCY EIN 31-1191330 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation Service code 22 | — | $0 |
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 | 1,658 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,793 | $140K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,793 | $140K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,688 | $1.4M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,793 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,793 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.