| 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 | KAISER PERMANENTE | $45K | — | $45K | 2.95% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | KAISER PERMANENTE | $32K | — | $32K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | KAISER PERMANENTE | $14K | — | $14K | 1.80% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | KAISER PERMANENTE | $10K | — | $10K | 1.20% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 RT 34 SUIT 2 BELMAR, NJ 07719 | GUARDIAN | $21K | — | $21K | 5.26% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | GUARDIAN | $7K | $13K | $20K | 5.05% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | — | $5K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 655 EDEN PARK DRIVE #100 CINCINNATI, OH 45202 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | — | $3K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | KAISER PERMANENTE | $20K | — | $20K | 5.00% |
| CORPORATE PLANS, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | GUARDIAN | $8K | $9K | $16K | 9.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 RT 34 BELMAR, NJ 07719 | GUARDIAN | $15K | — | $15K | 8.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $1K | — | $1K | 0.74% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN ROAD SOLON, OH 44139 | GUARDIAN | $4K | $4K | $8K | 12.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 RT 34 SUITE 2 BELMAR, NJ 07719 | GUARDIAN | $3K | — | $3K | 5.15% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS, INC. | 6830 COCHRAN ROAD SOLON, OH 44139 | VSP | $4K | — | $4K | 6.40% |
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 | 1,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER PERMANENTE | 198 | $2.3M |
| Dental | GUARDIAN | 573 | $398K |
| Vision | VSP | 486 | $59K |
| Life insurance | GUARDIAN | 1,672 | $181K |
| Short-term disability | GUARDIAN | 190 | $66K |
| Long-term disability | GUARDIAN | 190 | $66K |
| Other | GUARDIAN | 1,672 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,672 | — |
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.