| 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 | DELTA DENTAL OF KENTUCKY | $15K | — | $15K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.91% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.50% |
| WATCHTOWER BENEFIT LLC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $899 | $899 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AMERITAS | $5K | $2K | $7K | 14.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER,INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 19.52% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $671 | $671 | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 19.51% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $653 | $653 | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $522 | — | $522 | 7.06% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $111 | $111 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $339K |
| MCGOHAN BRABENDER, INC. EIN 61-1237516 BROKER | Other commissions Service code 55 | — | $7K |
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 | 933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 1,173 | $262K |
| Vision | AMERITAS | 1,100 | $50K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 933 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 933 | $60K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 638 | $670K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 933 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,173 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.