| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS | 200 WEST ADAMS STREET SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $41K | — | $41K | 19.86% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HCC LIFE INSURANCE COMPANY | $33K | $4K | $38K | 18.20% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE | 45 S LIBERTY STREET CAMDEN, OH 45311 | HCC LIFE INSURANCE COMPANY | $9K | — | $9K | 4.30% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | HCC LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UMUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $311 | $3K | 17.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $950 | $253 | $1K | 18.99% |
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 | 103 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 99 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $6K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 99 | $206K |
| Other(2 contracts, 2 carriers) | UMUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.