| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | MANHATTANLIFE | $347 | $0 | $347 | 3.74% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | MANHATTANLIFE | $227 | $0 | $227 | 2.45% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 2711 CENTERVILLE ROAD, SUITE 400 WILMINGTON, DE 19808 | MANHATTANLIFE | $129 | $0 | $129 | 1.39% |
| AY BENEFITS LLC3 Filed as: AY BENEFITS, LLC | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20817 | MANHATTANLIFE | $2 | $0 | $2 | 0.02% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 20.00% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $738K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $738K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $738K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $738K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $747K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $738K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $738K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.