| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA CONS/SEABURY SMITH INC | — | GENWORTH LIFE INSURANCE COMPANY | $26K | — | $26K | 12.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CONTRACT ADMINISTRATOR | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6.2M |
| MEDICAL MUTUAL SERVICES EIN 34-1922587 CONTRACT ADMIN | Claims processing Service code 12 | — | $112K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing Service code 12 | — | $34K |
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 | 15,402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19,014 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 34,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 29,309 | $9.6M |
| Vision | VISION SERVICE PLAN | 7,940 | $3.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 42,024 | $24.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,635 | $4.3M |
| Other(6 contracts, 5 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | 15,474 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,024 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.