| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HCC LIFE INSURANCE COMAPNY | $21K | — | $21K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI-RIDGE BLVD, SUITE 400 LOVELAND, OH 45140 | HCC LIFE INSURANCE COMAPNY | $12K | — | $12K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY MIDWEST | 32332 COLLCATION CENTER DRIVE CHICAGO, IL 60693 | DENTAL CARE PLUS, INC. | $6K | — | $6K | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $140K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 409 EAST MONUMENT AVENUE, SUITE 400 DAYTON, OH 45385 | $45K |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 445 | $113K |
| Vision | STANDARD INSURANCE COMPANY | 187 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 314 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 314 | $68K |
| Long-term disability | STANDARD INSURANCE COMPANY | 176 | $64K |
| Prescription drug | RXBENEFITS, INC. | 183 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMAPNY | 187 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.