| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST. STE 500 ROCKVILLE, MA 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $49K | $12K | $61K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 10201 FAIRFAX BLVD. STE 500 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $157 | $23K | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVE. STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $157 | $12K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET STE 500 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | VISION SERVICE PLAN | -$421 | — | -$421 | -0.39% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 208144178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET STE 500 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | — | $64 | 4.99% |
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 | 1,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $534K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,617 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,322 | $107K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,641 | $1.2M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,641 | $1.2M |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,641 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,617 | — |
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.