| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS3 | 3700 COLONNADE PARKWAY BIRMINGHAM, AL 36243 | RX BENEFITS | $0 | $6K | $6K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | TOKIO MARINE HCC | $0 | $9K | $9K | 2.00% |
| C2 CENTRIC LLC3 | POST OFFICE BOX 6824 GRAND RAPIDS, MI 49516 | TOKIO MARINE HCC | $0 | $4K | $4K | 0.91% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFIT LLC | 2734 NORTH MILDRED AVENUE CHICAGO, IL 60618 | GUARDIAN | $4K | $6K | $10K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $4K | — | $4K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $653 | $7K | 56.92% |
| STEELE INSURANCE AND FINANCIAL SVCS3 Filed as: STEELE INSURANCE AND FINANCIAL | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IA 46234 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 43.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $199K |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $12K |
| Dental | SUPERIOR DENTAL CARE | 668 | $172K |
| Vision | EYEMED | 673 | $42K |
| Life insurance | GUARDIAN | 310 | $272K |
| Short-term disability | GUARDIAN | 310 | $272K |
| Long-term disability | GUARDIAN | 310 | $272K |
| Prescription drug | RX BENEFITS | 235 | $1.8M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 271 | $435K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 310 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.