| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY RD LATHAM, NY 12110 | UNITED HEALTHCARE INSURANCE COMPANY | $74K | — | $74K | 4.05% |
| PROFESSIONAL PENSIONS INC3 | 11 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY RD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 784 TROY-SCHENECTADY RD LATHAM, NY 12110 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $0 | $17K | 20.00% |
| PROFESSIONAL PENSIONS INC3 | SUITE 200 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY RD LATHAM, NY 12110 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITED HEALTHCARE INSURANCE COMPANY | $783 | $0 | $783 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: COOL INSURING AGENCY | 784 TROY-SCHENECTADY RD LATHAM, NY 12110 | UCM DIGITAL HEALTH | $468 | $0 | $468 | 11.10% |
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 | 278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 278 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $100K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 128 | $16K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 164 | $50K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 164 | $50K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 164 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.