| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | — | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $3K | $16K | 4.87% |
| BENEFIT STRATEGIES AGENCY, LLC3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 1.48% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES AGENCY | — | DENTAL CARE PLUS, INC. | $718 | — | $718 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | — | DENTAL CARE PLUS, INC. | $302 | — | $302 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.85% |
| BENEFIT STRATEGIES AGENCY, LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $233 | — | $233 | 1.18% |
| BENEFIT STRATEGIES AGENCY, LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $577 | — | $577 | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SVCS USA, INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 3.82% |
| BENEFIT STRATEGIES AGENCY, LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $267 | — | $267 | 5.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS. SVCS USA, INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $184 | — | $184 | 4.08% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $325K |
| Dental | DENTAL CARE PLUS, INC. | 73 | $48K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $14K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 61 | $20K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.