No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEANCO LLC CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 700 W JOHNSON AVE STE 301 CHESHIRE, CT 06410 | $101K |
| MARSH & MCLENNAN AGENCY LLC NONE | Investment management fees paid directly by plan Service code 51 | 2500 CITY WEST BLVD, STE 240 HOUSTON, TX 77042 | $28K |
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 | 574 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 327 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $172K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $124K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $124K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $124K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.