| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 4401 NORTHSIDE PKWY NW STE 800 ATLANTA, GA 303273093 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 303273093 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $0 | $48K | 20.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW, STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | — |
| 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 | $254 | $254 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW, STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | — |
| 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 | $581 | $581 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8 | $8 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $188K |
| IRONWOOD BENEFITS ADVISORY SERVICES BROKER | Insurance agents and brokers Service code 22 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | $187K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $59K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $20K |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 40 | $259K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $234K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $234K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $234K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 296 | $949K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.