| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MEGAN ZIMMERMAN MARSH & MCLENNAN | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | PREVEA360 HEALTH PLAN | $24K | — | $24K | 2.63% |
| PAUL WHITE3 | 340 MACCORKLE AVE. SE SUITE 200 CHARLESTON, WV 25314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $10K | — | $10K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND ROAD PO BOX 510925 NEW BERLIN, WI 53151 | PRINCIAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 9.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 510925 NEW BERLIN, WI 53151 | HUMANA INSURANCE COMPANY | $4K | $71 | $4K | 5.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVE SE SUITE 200 CHARLESTON, WV 253141100 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $799 | $370 | $1K | 7.32% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | 1431 OKEEFE AVENUE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $958 | — | $958 | 7.71% |
| ROBERT J DONOHUE3 Filed as: ROBERT DONOHUE | PO BOX 207 MOSINEE, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | — | $284 | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $68 | $68 | 0.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WV LLC | 340 MACCORKLE AVENUE SUITE 200 CHARLESTON, WV 25314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | $71 | $264 | 6.83% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREVEA360 HEALTH PLAN | 104 | $1.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 92 | $86K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 92 | $74K |
| Life insurance | PRINCIAL LIFE INSURANCE COMPANY | 183 | $110K |
| Short-term disability | PRINCIAL LIFE INSURANCE COMPANY | 183 | $110K |
| Long-term disability | PRINCIAL LIFE INSURANCE COMPANY | 183 | $110K |
| Other(3 contracts, 3 carriers) | PRINCIAL LIFE INSURANCE COMPANY | 210 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.