| 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 | $47K | $5K | $52K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $117 | $14K | 14.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVCES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 7.80% |
| VARIOUS3 | 123 MAIN STREET DAYTON, OH 45439 | AFLAC | $56 | $160 | $216 | 6.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 1787 SENTRY PARKWAY BLUE BELL, PA 19422 | AFLAC | $206 | — | $206 | 5.77% |
| ADRIENNE HOLBROOK3 | 413 LILYFIELD LANE GALLOWAY, OH 43119 | AFLAC | $154 | — | $154 | 4.31% |
| AMBER D STEIN3 Filed as: AMBER STEIN | 14966 ROBBIN ROAD JOHNSTON, OH 43031 | AFLAC | $86 | — | $86 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AFLAC | $82 | — | $82 | 2.30% |
| ANDREW LOEWIN3 | 1103 SCHROCK ROAD COLUMBUS, OH 43220 | AFLAC | $69 | — | $69 | 1.93% |
| MARCUS WAYNE MCREE3 | 5758 ALFIE PLACE COLUMBUS, OH 43213 | AFLAC | $18 | — | $18 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $291 | — | $291 | 9.31% |
| LEA SWANSON3 Filed as: LEA SWAMSON | 7734 MORLEY ROAD MENTOR, OH 44060 | LEGAL SHIELD | $32 | — | $32 | 13.06% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 182 | $1.3M |
| Dental | COMMUNITY INSURANCE COMPANY | 182 | $1.3M |
| Vision | EYEMED | 26 | $3K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $99K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $99K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $99K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.