| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | COMMUNITY INSURANCE COMPANY (G1728) | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | DENTAL CARE PLUS | $4K | — | $4K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | DENTAL CARE PLUS | $959 | — | $959 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $8K | $12K | 16.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | — | $157 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 16.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $129 | — | $129 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 16.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $162 | — | $162 | 0.31% |
| COLLEEN P EHRET3 | 2103 CRAB TREE DR BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 23.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.15% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 7364 WATERWAY DR WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $878 | — | $878 | 2.42% |
| SUSAN SVARDA ENTERPRISES LLC3 | 2717 MIAMISBURG CENTERVILLE RD DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 1.66% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 19.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $229 | — | $229 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | EYEMED VISION CARE | $2K | — | $2K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | EYEMED VISION CARE | $174 | — | $174 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | AFLAC | $140 | — | $140 | 2.72% |
| THOMAS A CARMICHAEL3 Filed as: THOMAS CARMICHAEL | 4821 BRANTFORD COURT WEST CHESTER, OH 45069 | AFLAC | $111 | — | $111 | 2.15% |
| BROOKS DUFFIE3 | PO BOX 322 MERKEL, TX 79536 | AFLAC | $106 | — | $106 | 2.06% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $39 | — | $39 | 0.76% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LN MASON, OH 45040 | AFLAC | $35 | — | $35 | 0.68% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $14 | — | $14 | 0.27% |
| CAROL L VENN3 Filed as: CAROL LYNN VENN | 5 SPYGLASS COURT CINCINNATI, OH 45241 | AFLAC | $12 | — | $12 | 0.23% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $12 | — | $12 | 0.23% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.02% |
| JOHN C RASCHELLA3 | 3206 WALES AVE CLEVELAND, OH 44134 | AFLAC | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY(G1728) EIN 31-1440175 | Float revenue; Claims processing; Other fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $162K |
| MCGOHAN BRABENDER AGCY INC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | $44K |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 266 | $253K |
| Dental | DENTAL CARE PLUS | 435 | $128K |
| Vision | EYEMED VISION CARE | 392 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $105K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $157K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $54K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 266 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.