| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | TOKIO MARINE HCC LIFE | $2K | — | $2K | 1.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $868 | $868 | 0.54% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $179 | — | $179 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 5500 CHEROKEE AVENUE SUITE 300 ALEXANDRIA, VA 22312 | FEDERAL INSURANCE COMPANY | $214 | $9 | $223 | 15.65% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $161K |
| Vision | EYEMED VISION CARE, LLC | 313 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 226 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 226 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 226 | $46K |
| Prescription drug | EXPRESS SCRIPTS, INC | 198 | $5K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC LIFE | 218 | $175K |
| Other(3 contracts, 3 carriers) | AGI BENEFIT SOLUTIONS | 237 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.