| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | PO BOX 27447 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $730 | — | $730 | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $10.3M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $260K |
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 | 82,733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 590 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 83,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 38,414 | $9.1M |
| Vision | VISION SERVICE PLAN | 18,645 | $3.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 53,528 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,739 | $2.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,739 | $2.6M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 82,462 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82,462 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.