| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 9.31% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $374 | $374 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE BIRMINGHAM, OH 35238 | DELTA DENTAL | $5K | — | $5K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $1K | $168 | $1K | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM LIFE | $3K | — | $3K | 15.00% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 323 | $123K |
| Vision | GUARDIAN | 139 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $145K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $145K |
| Prescription drug | EXPRESS SCRIPTS | 165 | $347K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 163 | $630K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE | 182 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.