| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 540 W. MADISON STREET 11TH FLOOR CHICAGO, IL 60661 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 565 5TH AVENUE NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | P O BOX 28198 NEW YORK, NY 10087 | VISION SERVICE PLAN | $2K | — | $2K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 540 WEST MADISON CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 540 W. MADISON STREET 11TH FLOOR CHICAGO, IL 30661 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA. | $1K | — | $1K | 15.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 384 | $8.7M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 384 | $8.7M |
| Vision | VISION SERVICE PLAN | 354 | $77K |
| Life insurance(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 384 | $8.8M |
| Short-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 384 | $8.7M |
| Long-term disability(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 384 | $8.7M |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 384 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.