| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $53 | $22K | 9.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $207 | $207 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 360 E. VINE ST. STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $22K | $8K | $30K | 41.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 22.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, A MARSH & MCLENNAN A | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $653 | — | $653 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION, A MARSH & MCLENNAN AGE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $529 | — | $529 | 1.01% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $229K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $229K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 0 | $125K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 0 | $125K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 0 | $125K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 0 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.