| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 10201 FAIRFAX BLVD. STE 500 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $32 | $74K | 2.40% |
| 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 | $0 | $37K | $37K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST. STE 500 ROCKVILLE, MD 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $95K | $33K | $129K | 6.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 611 POINTE NORTH BLVD ALBANY, GA 31721 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $124K | $124K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE AND HEALTH INSURANCE COMPANY | $74K | $0 | $74K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET STE 500 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $30K | $10K | $40K | 6.59% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 25.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 208144178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | $0 | $136 | 5.01% |
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 | 1,786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,865 | $4.1M |
| Vision | VISION SERVICE PLAN | 2,760 | $472K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,786 | $1.9M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,299 | $607K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,786 | $1.9M |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,618 | $1.5M |
| Other(5 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,921 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,865 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.