| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET MIAMI, FL 33178 | BANNER HEALTH AND AETNA HEALTH | $0 | $28K | $28K | 5.19% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 1600 WEST HILLSIDE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | BANNER HEALTH AND AETNA HEALTH | $9K | $0 | $9K | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET MIAMI, FL 33178 | BANNER HEALTH AND AETNA HEALTH | — | $7K | $7K | 5.30% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 1600 WEST HILLSIDE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | BANNER HEALTH AND AETNA HEALTH | $3K | — | $3K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $14K | 18.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.90% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BANNER HEALTH AND AETNA HEALTH | 98 | $671K |
| Dental | AETNA LIFE INSURANCE COMPANY | 114 | $37K |
| Vision | AETNA LIFE INSURANCE COMPANY | 114 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $78K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.