| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | NEW ENGLAND 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $32K | $34K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 021997652 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.99% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $524 | $483 | $1K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $682 | $682 | 0.72% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $81 | $81 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 021997652 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 4.35% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 074071361 | KAISER FOUNDATION HEALTH PLAN, INC. | $512 | — | $512 | 1.09% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $680 | — | $680 | 3.74% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $554 | — | $554 | 4.03% |
| USI INSURANCE SERVICES LLC3 | WARWICK, RI PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $945 | — | $945 | 7.72% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $442 | — | $442 | 5.83% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $76 | — | $76 | 3.93% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $95K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 153 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $2K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $14K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 6 | $47K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.