| 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 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $12K | $40K | 7.48% |
| C2 CENTRIC LLC3 | 8804 SOUTH WINNIPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | HCC LIFE INSURANCE COMPANY | $51K | $9K | $60K | 11.80% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE SE GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $418K |
| DELTA DENTAL OF OHIO EIN 31-0685339 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $14K |
| INGENIORX EIN 82-3062245 PBM | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator; Other fees Service code 12 | — | $0 |
| MCGOHAN BRABENDER, INC. EIN 31-1191330 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $0 |
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 | 546 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 901 | $58K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 838 | $530K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 838 | $530K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 546 | $512K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 838 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.