| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | HUMANA DENTAL INSURANCE COMPANY | $34K | $5K | $39K | 2.33% |
| SUMITOMO LIFE INSURANCE AGENCY3 | 565 5TH AVE., FLOOR 5 NEW YORK, NY 10017 | HUMANA DENTAL INSURANCE COMPANY | $24K | — | $24K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $510 | $6K | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $113 | $11K | 17.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $327 | $7K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | P.O. BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $824 | $5K | 12.02% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA DENTAL INSURANCE COMPANY | 238 | $1.7M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 238 | $1.7M |
| Vision | HUMANA DENTAL INSURANCE COMPANY | 238 | $1.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $118K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $74K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $116K |
| Prescription drug | HUMANA DENTAL INSURANCE COMPANY | 238 | $1.7M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.