| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | SUITE 1500 HOUSTON, TX 77002 | AMERICAN UNITED LIFE INSURANCE COMPANY | $46K | $77K | $123K | 20.36% |
| AMERICAN UNITED LIFE3 | 1 AMERICAN SQ #368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $39K | — | $39K | 6.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $9K | $14K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | COMBINED INSURANCE | $148K | — | $148K | 70.30% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INS INC | — | COMBINED INSURANCE | $19K | — | $19K | 9.00% |
| TOTAL BENEFITS SOLUTIONS LLC3 Filed as: TOTAL BENEFITS SOLUTIONS | — | COMBINED INSURANCE | $13K | — | $13K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | FIRST STOP HEALTH, LLC | $5K | — | $5K | 6.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCES | 310 LOUISIANA STREET LITTLE ROCK, AR 72201 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 4.50% |
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 | 804 | 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) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 911 | $137K |
| Vision | DAVIS VISION | 935 | $31K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $606K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $606K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 238 | $606K |
| Stop-loss / reinsurancereinsurance | BROKERAGE CONCEPTS, INC | 592 | $296K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,544 | $940K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.