| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | 3931 S DIXIE DR DAYTON, OH 454392313 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 11.37% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 800 MAIN ST DUBUQUE, IA 52001 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.01% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL RD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$8K | -$8K | -5.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BREABENDER, INC. | 3931 S. DIXIE DR. DAYTON, OH 45439 | SUPERIOR DENTAL CARE | $4K | $2K | $6K | 5.75% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | SERVICES 800 MAIN STREET DUBUQUE, IA 52001 | SUPERIOR DENTAL CARE | $2K | — | $2K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER, INC. | 3931 S DIXIE DR MORAINE, OH 454392313 | VISION SERVICE PLAN | $726 | — | $726 | 2.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC | PO BOX 28 DUBUQUE, IA 520040028 | VISION SERVICE PLAN | $366 | — | $366 | 1.34% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $137 | — | $137 | 0.50% |
No Schedule C service providers reported on this filing.
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 184 | $107K |
| Vision | VISION SERVICE PLAN | 171 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 246 | $155K |
| Short-term disability | STANDARD INSURANCE COMPANY | 246 | $155K |
| Long-term disability | STANDARD INSURANCE COMPANY | 246 | $155K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 246 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.