| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | 150 N MICHIGAN AVE STE 2400 CHICAGE, IL 60601 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $0 | $720 | $720 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | 150 N MICHIGAN AVE STE 2400 CHICAGE, IL 60601 | STANDARD INSURANCE COMPANY | $3K | $551 | $3K | 7.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $4K | $461 | $4K | 11.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 18.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $2K | $414 | $3K | 7.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $2K | $437 | $3K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $0 | $159 | $159 | 1.21% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 100 | $69K |
| Vision | STANDARD INSURANCE COMPANY | 93 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 121 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 121 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 48 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.