| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $129K | — | $129K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO #550 SAN ANTONIO, TX 78232 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 20.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | SYMETRA LIFE INSURANCE COMPANY | $11K | $1K | $13K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $295 | $3K | 9.13% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, #308 HAUPPPAUGHE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 8.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $256 | $3K | 13.38% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, SUITE 308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 8.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $174 | $3K | 15.73% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, SUITE 308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 8.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST, FL 35 NEW YORK, NY 10004 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $37 | — | $37 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $151 | $2K | 17.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | METROPOLITAN GENERAL INSURANCE COMPANY | $934 | $152 | $1K | 11.62% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $3.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $135K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $135K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 320 | $48K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 66 | $14K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 328 | $26K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 364 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.