| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $36K | $6K | $43K | 20.01% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $307 | $0 | $307 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $252 | $0 | $252 | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.12% |
| PREMIER INSURANCE MANAGEMENT3 Filed as: PREMIER INSURANCE MGMT SVCS | 12707 HIGH BLUFF DR SUITE 140 SAN DIEGO, CA 92130 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.09% |
| PREMIER INCORPORATED3 | 13034 BALLANTYNE CORP PL CHARLOTTE, NC 28277 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 82 | $22K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 471 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.