| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SHAWN ESSLINGER MARSH & MCLENNAN | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | PREVEA360 HEALTH PLAN | $23K | — | $23K | 1.86% |
| PAUL WHITE3 | 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 25314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $7K | — | $7K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | PRINCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.92% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE SUITE 400 BLOOMINGTON, MN 55437 | PRINCIAL LIFE INSURANCE COMPANY | $932 | — | $932 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 510925 NEW BERLIN, WI 53151 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 4.53% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | HUMANA INSURANCE COMPANY | $418 | — | $418 | 0.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVENUE SE SUITE 200 CHARLESTON, WV 25314 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $49 | $2K | 8.25% |
| ROBERT J DONOHUE3 Filed as: ROBERT DONOHUE | 1431 OKEEFE DRIVE KRONEWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | — | $763 | 5.60% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | 1431 OKEEFE AVENUE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $642 | — | $642 | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $356 | — | $356 | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $6 | $6 | 0.04% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREVEA360 HEALTH PLAN | 123 | $1.8M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 124 | $116K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 124 | $116K |
| Life insurance | PRINCIAL LIFE INSURANCE COMPANY | 210 | $117K |
| Short-term disability | PRINCIAL LIFE INSURANCE COMPANY | 210 | $117K |
| Long-term disability | PRINCIAL LIFE INSURANCE COMPANY | 210 | $117K |
| Other(3 contracts, 3 carriers) | PRINCIAL LIFE INSURANCE COMPANY | 210 | $135K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.