| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.30% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 4.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $296K |
| UMR,INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $126K |
| DELTA DENTAL EIN 11-1980218 CLAIMS PROCESSING | Claims processing Service code 12 | — | $16K |
| KINLOCH CONSULTING GROUP, INC. EIN 20-8333487 BROKER | Other commissions Service code 55 | — | $5K |
| COMPPSYCH EIN 35-3739783 THIRD PARTY ADMINISTRATOR | Other fees Service code 99 | — | $0 |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 148 | $25K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 151 | $75K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 151 | $75K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 151 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.