| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $51K | $51K | 5.00% |
| UMR, INC.3 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $31K | $31K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 2.03% |
| DAVIDSON JAMES DUNCAN3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY- ALLSTATE BENEFITS | $183K | — | $183K | 38.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSCH & MCLENNAN AGENCY-MMA | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | QBE INSURANCE | — | $23K | $23K | 5.02% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $6K | $6K | 2.00% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | $443K | $22K | $464K | 161.80% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | — | $22K | $22K | 7.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.52% |
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SCHAUMBURG, IL 60173 | GEISINGER HEALTH PLAN | $11K | $30 | $11K | 5.57% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 20 NORTH MARTINGALE ROAD SCHAUMBURG, IL 60173 | GEISINGER QUALITY OPTIONS, INC. | $8K | $30 | $8K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $248 | $248 | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 54403 | $863K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Other fees Service code 99 | 2418 CROSSROADS DR STE 2600 MADISON, WI 53718 | $0 |
| NATIONAL COOPERATIVERX 04-3775178 | Other fees Service code 99 | — | $0 |
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 | 2,777 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GEISINGER HEALTH PLAN | 39 | $399K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,754 | $1.0M |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,754 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY- ALLSTATE BENEFITS | 2,777 | $798K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $234K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | 1,405 | $1.0M |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY- VOYA FINANCIAL | 5,762 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,762 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.