| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 606930321 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $38 | $37K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 250 PEHLE AVENUE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 6279 TRI RIDGE BLVD STE 400 SUITE 201 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | VISION SERVICE PLAN | $11K | — | $11K | 10.01% |
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 | 1,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,797 | $500K |
| Vision | VISION SERVICE PLAN | 773 | $106K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,546 | $683K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,546 | $683K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,546 | $683K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 974 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,546 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,797 | — |
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.