| 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 | COMMUNITY INSURANCE COMPANY | $29K | $11K | $39K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STARMOUNT LIFE | $7K | $2K | $9K | 12.61% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC. | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE | $5K | $607 | $6K | 8.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $7K | $2K | $9K | 20.00% |
| THE CARSON GROUP INC3 Filed as: CARSON GROUP | 1612 MARION COLUMBIA, SC 29201 | UNUM | $2K | $2K | $4K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM | $3K | $1K | $4K | 15.04% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | 1612 MARION COLUMBIA, SC 29201 | UNUM | $1K | $627 | $2K | 7.33% |
| CARON GROUP3 | 1612 MARION STREET COLUMBIA, SC 29201 | GUARDIAN | $404 | — | $404 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN | $226 | — | $226 | 2.79% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 372 | $1.2M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE | 227 | $80K |
| Vision | STARMOUNT LIFE | 226 | $72K |
| Life insurance | UNUM | 500 | $27K |
| Short-term disability | UNUM | 500 | $27K |
| Long-term disability | UNUM | 500 | $27K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH | 372 | $140K |
| Other(2 contracts) | UNUM | 500 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.