| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.56% |
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES INC. | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $678 | — | $678 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.08% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSHALL & MCLENNAN AGENCY LLC | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $460 | — | $460 | 1.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-RCKVLE | 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 785 | $146K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 453 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $58K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 414 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.