| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | $66K | — | $66K | 4.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.19% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $908 | — | $908 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, STE 800 WORCHESTER, MA 01608 | UNITED HEALTHCARE INSURANCE COMPANY | $764 | — | $764 | 9.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $382 | — | $382 | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N, SUITE 300 MINNEAPOLIS, MN 55428 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 282 | $1.6M |
| Dental(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 282 | $1.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 185 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.