| 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 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | DENTAL CARE PLUS | $8K | — | $8K | 7.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $14K | 20.29% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.89% |
| SUSAN SVARDA ENTERPRISES LLC3 | 6680 POE AVENUE STE. 400 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.16% |
| LEE ROY YOUNG ENTERPRISES3 | 816 POWELL AVE MIAMISBURG, OH 45342 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | — | $382 | 2.26% |
| COLLEEN P EHRET3 | 2103 CRAB TREE DR BEAVERCREEK, OH 45431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 1.62% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 1.15% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | 1828 IRIS TRAIL WAYNESVILLE, OH 45068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.65% |
| TRISTAN GAINES | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVENUE, STE. 400 DAYTON, OH 45402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.27% |
| JONATHAN B VETTER3 | 6680 POE AVENUE STE. 200 DAYTON, OH 45414 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | EYEMED VISION CARE | $1K | — | $1K | 6.57% |
| THOMAS A CARMICHAEL3 Filed as: THOMAS CARMICHAEL | 4821 BRANTFORD COURT WEST CHESTER, OH 45069 | AFLAC | $69 | — | $69 | 3.26% |
| BROOKS DUFFIE3 | 183 COUNTY ROAD 409 SEMINOLE, TX 79360 | AFLAC | $57 | — | $57 | 2.69% |
| THOMAS S GENTZ3 | 3848 CHERRY BROOK LN MASON, OH 45040 | AFLAC | $35 | — | $35 | 1.65% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $11 | — | $11 | 0.52% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY(G1728) EIN 31-1440175 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $102K |
| MCGOHAN BRABENDER AGCY INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 3931 S DIXIE DR DAYTON, OH 45439 | $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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 115 | $19K |
| Dental | DENTAL CARE PLUS | 252 | $102K |
| Vision | EYEMED VISION CARE | 227 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $154K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $86K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 247 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.