| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 2.35% |
| PRODUCERHUB LLC3 | 1555 E ORANGEWOOD AVE PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $14K | $32K | 19.11% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD, A MMA COMPANY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $17K | $17K | 10.49% |
| APEX MANAGEMENT GROUP3 | 1555 E. ORANGEWOOD AVE. PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $11K | $11K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 13.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.02% |
| THOMAS C SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | $0 | $146 | 1.06% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 44 | $845K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 44 | $845K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 44 | $845K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 816 | $64K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 816 | $64K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 816 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.