| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD. SUITE 2300 TROY, MI 48084 | MEDICAL MUTUAL OF OHIO | $51K | $25K | $76K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DR. CHICAGO, IL 60693 | SUPERIOR DENTAL CARE | $4K | $7K | $10K | 20.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $547 | $4K | 16.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD. SUITE 2300 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $25K | $76K | 392.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $421 | $3K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE STE 400 DAYTON, OH 45402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/SUPERIOR VISION PLAN | $530 | $0 | $530 | 6.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 88 | $1.7M |
| Dental | SUPERIOR DENTAL CARE | 188 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/SUPERIOR VISION PLAN | 90 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $23K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
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.