| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO | $60K | $0 | $60K | 9.99% |
| DISABILITY RMS5 | P.O. BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $37K | $37K | 13.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | TRANSAMERICA LIFE INSURANCE COMPANY | $53K | $0 | $53K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 24.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 25.00% |
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 | 1,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,506 | $187K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 1,718 | $213K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 1,075 | $272K |
| Other(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,718 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,718 | — |
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.