| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | GUARDIAN | $16K | $3K | $19K | 10.10% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN | $9K | $0 | $9K | 5.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $3K | $123 | $3K | 1.81% |
| ENROLLEASE4 Filed as: ONE DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $264 | $0 | $264 | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $64K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 ADMIN | Claims processing Service code 12 | — | $43K |
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $38K |
| REVIVEHEALTH, INC. EIN 86-1279290 OTHER | Other services Service code 49 | — | $17K |
| ONEDIGITAL EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
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 | 137 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 137 | $187K |
| Vision | GUARDIAN | 137 | $187K |
| Life insurance | GUARDIAN | 137 | $187K |
| Short-term disability | GUARDIAN | 137 | $187K |
| Long-term disability | GUARDIAN | 137 | $187K |
| Stop-loss / reinsurancereinsurance | CRUM & FORSTER | 110 | $274K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 137 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.