| 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 | LINCOLN NATIONAL LIFE | $9K | $206 | $9K | 15.36% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE | $0 | $856 | $856 | 1.50% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | MANHATTAN LIFE | $3K | — | $3K | 9.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | MANHATTAN LIFE | $1K | — | $1K | 4.34% |
| ENROLLMENT BENEFIT CONCEPTS LLC3 Filed as: ENROLLMENT BENEFIT CONCEPTS | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | MANHATTAN LIFE | $34 | — | $34 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $1K | — | $1K | 14.97% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS | 146 | $36K |
| Vision | EYEMED | 137 | $8K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 107 | $85K |
| Short-term disability | LINCOLN NATIONAL LIFE | 107 | $57K |
| Long-term disability | LINCOLN NATIONAL LIFE | 107 | $57K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE - HCC | 100 | $420K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE | 107 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.