| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 100 SAN DIEGO, CA 921226231 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 2.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 945831140 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INSURANCE AGENCY, | PO BOX 85638 SAN DIEGO, CA 921865638 | MEDIEXCEL HEALTH PLAN | $8K | — | $8K | 3.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | MEDIEXCEL HEALTH PLAN | $4K | — | $4K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 10.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $6K | $578 | $7K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.45% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 637 | $91K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 637 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.