| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.50% |
| PACIFIC RESOURCESS BENEFITS ADV3 | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $330 | $330 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 554 WASHINGTON STREET WELLESLEY, MA 02482 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $991 | $0 | $991 | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $991 | $0 | $991 | 7.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 25.01% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 209 | $107K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $230K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $203K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.