| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-NC | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 S JEFFERSON ST ROANOKE, VA 240111303 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 022419103 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.75% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $168 | $168 | 1.54% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 66 | $461K |
| Dental | AMERITAS LIFE INSURANCE CORP | 224 | $33K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $11K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 66 | $461K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.