| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 740659 LOS ANGELES, CA 90074 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 7.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 91107 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $100 | $3K | 20.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | -$21 | $33 | $12 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $71 | $2K | 20.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | -$16 | $33 | $17 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $60 | $2K | 20.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 921221238 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.03% |
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 | 592 | 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) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 628 | $4.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 628 | $3.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 628 | $3.0M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 591 | $75K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 591 | $75K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 591 | $75K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 628 | $4.5M |
| Other(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 591 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.