| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 14906 | TOKIO MARINE HCC | $23K | — | $23K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 12.27% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $5K | $12K | 17.99% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 15.61% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $735 | $3K | 21.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $326K |
| UMR INC EIN 35-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $50K |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC | 271 | $489K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $84K |
| Vision | MEDICAL MUTUAL | 242 | $4K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $12K |
| Prescription drug | TOKIO MARINE HCC | 271 | $489K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.