| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANIES, INC | $55K | $0 | $55K | 1.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES, INC | $39K | $0 | $39K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 2400 2500 CITY WEST BLVD HOUSTON, TX 77042 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $2K | $12K | 7.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $2K | $7K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 2400 2500 CITY WEST BLVD HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 7.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 2400 2500 CITY WEST BLVD HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $465 | $4K | 10.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $493 | $2K | 5.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $739 | $221 | $960 | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 2400 2500 CITY WEST BLVD HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $410 | $93 | $503 | 3.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $638 | $192 | $830 | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 2400 2500 CITY WEST BLVD HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $332 | $84 | $416 | 3.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC.- HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $644 | $194 | $838 | 7.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | SUITE 2400 2500 CITY WEST BLVD HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $296 | $65 | $361 | 3.32% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 395 | $2.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 210 | $171K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 210 | $171K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $89K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.