| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER AGENCY INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 454392321 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $3K | $15K | 8.79% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE MORAINE, OH 45439 | DELTA DENTAL OF INDIANA | $4K | — | $4K | 2.89% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 1.99% |
| GREGORY & APPEL, INC.3 | 1402 NORTH CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 462022375 | VISION SERVICE PLAN | $713 | — | $713 | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN-BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE MORAINE, OH 454392313 | VISION SERVICE PLAN | $599 | — | $599 | 2.23% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 458 | $150K |
| Vision | VISION SERVICE PLAN | 155 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 231 | $169K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 231 | $169K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 231 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.