| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | $152K | $178K | 3.24% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | $35 | $37 | 0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 820 N. ORLEANS #325 CHICAGO, IL 60610 | GUARDIAN LIFE INSURANCE COMPANY | $100K | $0 | $100K | 24.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY | $47K | $8K | $55K | 13.71% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 Filed as: SOUTH CAROLINA TRUCKING ASSOC. | PO BOX 50166 COLUMBIA, SC 29250 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.85% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD PHILLIPS CO | 80 M STREET S E SUITE 350 WASHINGTON DC, WA 20003 | GUARDIAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 E FIRST ST, STE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101K | $0 | $101K | 65.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 29.52% |
| MOHR LARRY W3 | 1201 HACIENDA LANE LAWRENCE, KS 66049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.04% |
| MCDANIEL HAZLEY GROUP INC3 | 4901 WORNALL RD, APT 1103 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | $0 | $49 | 0.03% |
| MCDANIEL JAY3 | 1201 E 98TH TERRACE KANSAS CITY, MO 64131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.02% |
| MCDANIEL JAY3 Filed as: MCDANIEL JOHN | 1201 E 98TH TERRACE KANSAS CITY, MO 64131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
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 | 1,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,945 | $5.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,945 | $5.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,945 | $5.5M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 1,723 | $557K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,723 | $403K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,723 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,945 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.