| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-BOSTON | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | $0 | $3K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $32 | $1K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $41 | $41 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION OPERATING LOCKBOX PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $38 | $38 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $9 | $9 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC-BOSTON | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $30 | $0 | $30 | 12.10% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 385 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 445 | $113K |
| Long-term disability | STANDARD INSURANCE COMPANY | 314 | $68K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 551 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.