| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD LOCKBOX 412703 MA5-527-02-07 DORCHESTER, MA 02125 | HCC LIFE INSURANCE COMPANY | $27K | $0 | $27K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HCC LIFE INSURANCE COMPANY | $26K | $0 | $26K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, STE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF VERMONT, INC. | $8K | $0 | $8K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $479 | $10K | 14.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTIONS CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.97% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $937 | $0 | $937 | 2.51% |
| ACRISURE LLC3 | 346 SHELBURNE RD., 5TH FL BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $648 | $0 | $648 | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $1 | $99 | 0.26% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $17 | $1K | 4.06% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.00% |
| ACRISURE LLC3 | 346 SHELBURNE RD., 5TH FL BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | $0 | $32 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | FIRST UNUM LIFE INS CO | $46 | $2 | $48 | 15.48% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 844 | $297K |
| Vision | VISION SERVICE PLAN | 388 | $43K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $351K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 115 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $243K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE | 425 | $2.1M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.