| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.00% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | BCS INSURANCE COMPANY | $0 | $21K | $21K | 10.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $723 | $18K | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $34 | $14K | 10.49% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $526 | $13K | 12.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $34 | $10K | 10.49% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $497 | $11K | 11.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $34 | $10K | 10.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 32332 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $733 | $0 | $733 | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | MARSH MCLENNON AGENCY MIDWEST 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $711 | $0 | $711 | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $164 | $164 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $34 | $34 | 0.24% |
| BENEFITFOCUS.COM, INC.3 | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $18 | $18 | 0.13% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,552 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,552 | $987K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,552 | $987K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 997 | $209K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,552 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,552 | — |
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."
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.