| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON STREET, 3RD FLOOR BOSTON, MA 021163740 | HM LIFE INSURANCE COMPANY | — | $150K | $150K | 8.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPREHENSIVE BENEFITS ADMINISTRATO EIN 20-3713047 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.3M |
| NATIONAL DCP LLC EIN 20-3713047 PLAN SPONSOR | Direct payment from the plan; Other services Service code 49 | — | $258K |
| CROWE HORWATH, LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $83K |
| MARSH MANAGEMENT SERVICES, INC. NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | P.O. BOX 530 100 BANK ST. SUITE 610 BURLINGTON, VT 054020530 | $68K |
| OLIVER WYMAN ACTUARIAL CONSULTANTS, NONE | Direct payment from the plan; Actuarial Service code 11 | 411 E. WINSCONSIN AVE., SUITE 1300 MILWAUKEE, WI 532024419 | $8K |
| PABIAN & RUSSELL, LLC NONE | Legal; Direct payment from the plan Service code 29 | ONE INTERNATIONAL PLACE, 8TH FLOOR BOSTON, MA 021102600 | $7K |
| PRIMMER PIPER EGGLESTON & CRAMER PC EIN 03-0289541 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 2,879 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | HM LIFE INSURANCE COMPANY | 2,879 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,879 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.