| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKER NOT PROVIDED3 Filed as: NO BROKER LISTED | — | BLUECHOICE HEALTHPLAN | $78K | $0 | $78K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | MUTUAL OF OMAHA INSURANCE COMPANY | $21K | $5K | $26K | 17.27% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S. PLEASANTBURG DR GREENVILLE, SC 29607 | EYEMED VISION CARE | $2K | $0 | $2K | 12.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN INC | -$40 | $0 | -$40 | -0.35% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 113 | $1.9M |
| Vision | EYEMED VISION CARE | 246 | $12K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 130 | $150K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 130 | $150K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 130 | $150K |
| Prescription drug(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 113 | $1.9M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 130 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.