| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS | $4K | — | $4K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL | 7801 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $349 | — | $349 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $337 | — | $337 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL | 7501 WEST MEMORIAL ROAD OKLAHOMA, OK 73142 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.50% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $186 | — | $186 | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | VISION SERVICE PLAN | $947 | — | $947 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $137K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $46K |
| JAMES SCOTT & SONS, INC. EIN 54-0372970 BROKER | Other commissions Service code 55 | — | $11K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS | 377 | $124K |
| Vision(2 contracts, 2 carriers) | TOKIO MARINE | 186 | $564K |
| Life insurance | STANDARD INSURANCE COMPANY | 233 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 233 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 233 | $31K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 186 | $540K |
| Other | TOKIO MARINE | 186 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
No prospect flags tripped on this filing.