| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | COMMUNITY INSURANCE COMPANY (G1728) | — | $2K | $2K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | DENTAL CARE PLUS | $8K | — | $8K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.16% |
| SUSAN SVARDA ENTERPRISES LLC3 | 2717 MIAMISBURG CENTERVILLE RD DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.12% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $832 | — | $832 | 3.44% |
| COLLEEN P EHRET3 | 2103 CRAB TREE DR BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $645 | — | $645 | 2.67% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $569 | — | $569 | 2.35% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306 | — | $306 | 1.27% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 7364 WATERWAY DR WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.82% |
| TRISTAN GAINES | 307 PORTLAND BLVD LEBANON, OH 45036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | EYEMED VISION CARE | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | EYEMED VISION CARE | $27 | — | $27 | 0.14% |
| THOMAS A CARMICHAEL3 Filed as: THOMAS CARMICHAEL | 4821 BRANTFORD COURT WEST CHESTER, OH 45069 | AFLAC | $77 | — | $77 | 2.88% |
| BROOKS DUFFIE3 | PO BOX 322 MERKEL, TX 79536 | AFLAC | $67 | — | $67 | 2.51% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LN MASON, OH 45040 | AFLAC | $35 | — | $35 | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | AFLAC | $26 | — | $26 | 0.97% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $11 | — | $11 | 0.41% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $7 | — | $7 | 0.26% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DRIVE DUBLIN, OH 43016 | AFLAC | $3 | — | $3 | 0.11% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.11% |
| JOHN C RASCHELLA3 | 20301 GRD OAK SH BLVD ESTERO, FL 33928 | AFLAC | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY(G1728) EIN 31-1440175 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Contract Administrator; Other services Service code 12 | — | $122K |
| MCGOHAN BRABENDER AGCY INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | $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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 93 | $27K |
| Dental | DENTAL CARE PLUS | 331 | $103K |
| Vision | EYEMED VISION CARE | 303 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $93K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $49K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 301 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.