| 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 | CIGNA | $57K | — | $57K | 4.99% |
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 6000 FREEDOM SQUARE INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | $16K | $2K | $18K | 12.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $6K | — | $6K | 5.41% |
| HAVEN BENEFITS3 Filed as: HAVEN & CO. | PO BOX 1505 MANCHESTER, MA 01944 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY, INC. | 3 FRONT STREET, LOWER MILL, STE 321 ROLLINSFORD, NH 03869 | GERBER LIFE INSURANCE COMPANY | $797 | — | $797 | 15.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD | $293 | — | $293 | 9.98% |
| DAILY FEATS INC3 Filed as: DAILY FEATS, INC. | 101 TREMONT STREET BOSTON, MA 02108 | RELIANCE STANDARD | $147 | — | $147 | 5.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD | $223 | — | $223 | 11.02% |
| DAILY FEATS INC3 Filed as: DAILY FEATS, INC. | 101 TREMONT STREET BOSTON, MA 02106 | RELIANCE STANDARD | $101 | — | $101 | 4.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD | $214 | — | $214 | 14.99% |
| DAILY FEATS INC3 Filed as: DAILY FEATS, INC. | 101 TREMONT STREET BOSTON, MA 02108 | RELIANCE STANDARD | $71 | — | $71 | 4.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | RELIANCE STANDARD | $146 | — | $146 | — |
| DAILY FEATS INC2 Filed as: DAILY FEATS, INC. | 101 TREMONT STREET BOSTON, MA 02108 | RELIANCE STANDARD | $66 | — | $66 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $728K |
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 | 1,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 2,830 | $883K |
| Vision | EYEMED | 2,478 | $113K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,541 | $764K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $140K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,541 | $761K |
| Stop-loss / reinsurancereinsurance | CIGNA | 2,860 | $1.2M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,541 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,860 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.