| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.3 Filed as: RXBENEFITS | 3700 COLONNADE PARKWAY BIRMINGHAM, AL 35243 | RXBENEFITS | $3K | — | $3K | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $39K | — | $39K | 12.07% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IA 60654 | GUARDIAN | $5K | — | $5K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 9.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $268K |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Other commissions Service code 55 | — | $87K |
| JAMES A. SCOTT EIN 54-0372970 BROKER | Other commissions Service code 55 | — | $14K |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 370 | $170K |
| Vision | GUARDIAN | 409 | $323K |
| Life insurance | GUARDIAN | 409 | $323K |
| Short-term disability | GUARDIAN | 409 | $323K |
| Long-term disability | GUARDIAN | 409 | $323K |
| Prescription drug | RXBENEFITS | 329 | $871K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 362 | $743K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE | 409 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.