| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 3.00% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.00% |
| UMR, INC.3 Filed as: UMR, INC | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 11.75% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | DENTAL CARE PLUS | $3K | — | $3K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE MORAINE, OH 45439 | EYEMED VISION CARE | $996 | — | $996 | 9.19% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM | 425 MARKET STREET 14TH FLOOR SAN FRANCISCO, CA 94105 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $4K | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $119K |
| MCGOHAN BRABENDER AGENCY INC EIN 31-1191330 BROKER | Other commissions Service code 55 | 3931 S DIXIE DR DAYTON, OH 45439 | $30K |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS | 195 | $59K |
| Vision | EYEMED VISION CARE | 182 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 141 | $147K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $147K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $147K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $268K |
| Other | UNITED BEHAVIORAL HEALTH DBA OPTUM | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.