| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 844120 LOS ANGELES, CA 90084 | UNITED HEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 1.73% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE. NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 5.97% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 844120 LOS ANGELES, CA 90084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 844120 LOS ANGELES, CA 90084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $260 | $4K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 844120 LOS ANGELES, CA 90084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $104 | $1K | 4.97% |
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 | 571 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 532 | $3.1M |
| Vision | VISION SERVICE PLAN | 258 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $108K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $294K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 571 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.