| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $53 | $28K | 9.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD, STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $183 | $183 | 0.07% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 39.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 22.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $643 | $0 | $643 | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $174 | $0 | $174 | 0.39% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $102 | $102 | 0.23% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 41.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 23.45% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $538 | $0 | $538 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $155 | $0 | $155 | 0.40% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.25% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 39.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 22.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $503 | $0 | $503 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.32% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $89 | $89 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PARK 80 WEST, PLAZA TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $28 | $28 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $26 | $26 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $14 | $14 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $7 | $7 | 0.04% |
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 | 754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $276K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $280K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $276K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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.
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.