| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC - BOST | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - ATLANTA | PO BOX 741738 ATLANTA, GA 303741738 | COMBINED INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.62% |
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 | 4,969 | 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) | 4,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DCP INSURANCE, INC. | 4,969 | $56.0M |
| Dental | DCP INSURANCE, INC. | 4,969 | $56.0M |
| Vision(2 contracts, 2 carriers) | DCP INSURANCE, INC. | 4,969 | $56.2M |
| Prescription drug | DCP INSURANCE, INC. | 4,969 | $56.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,969 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.