| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANA MARKETPOINT INC5 Filed as: HUMANA | 500 WEST MAIN STREET LEXINGTON, KY 40202 | HUMANA | $0 | $52K | $52K | 14.48% |
| MCGOAHN BARBENDER, INC.3 | 3931 SOUTH DIXIE DRIVE DAYTON, OK 45439 | HUMANA | $27K | $783 | $28K | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LINCOLN NATIONAL LIFE | $5K | $562 | $6K | 16.59% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $531 | $531 | 1.50% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | MANHATTAN LIFE | $4K | — | $4K | 16.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | MANHATTAN LIFE | $2K | — | $2K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER,INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $1K | — | $1K | 15.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS | $260 | — | $260 | — |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS | 172 | $0 |
| Vision | EYEMED | 143 | $8K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 111 | $61K |
| Short-term disability | LINCOLN NATIONAL LIFE | 111 | $35K |
| Long-term disability | LINCOLN NATIONAL LIFE | 111 | $35K |
| Stop-loss / reinsurancereinsurance | HUMANA | 90 | $359K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 111 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.