| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC, SOUTHE | 360 HAMILTON AVENUE WHITE PLAINS, NY 10601 | SIDECAR HEALTH INSURANCE COMPANY | $40K | — | $40K | 6.35% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 241 WEST WIEUCA ROAD NORTHEAST STE 250 ATLANTA, GA 30342 | SIDECAR HEALTH INSURANCE COMPANY | $11K | — | $11K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $762 | $24K | 12.84% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD. STE 300 MT. PLEASANT, SC 29464 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 6.52% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIDECAR HEALTH INSURANCE COMPANY | 129 | $630K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $189K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $189K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $189K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $189K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $189K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.