| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $40K | $0 | $40K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | P0 BOX 510925 NEW BERLIN, WI 53151 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68K | $20K | $88K | 24.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | DELTA DENTAL OF WI | $25K | $0 | $25K | 11.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 S MOORLAND RD NEW BERLIN, WI 53151 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.21% |
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 | 936 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 529 | $3.9M |
| Dental | DELTA DENTAL OF WI | 395 | $224K |
| Vision | VISION SERVICE PLAN | 375 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 764 | $350K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 764 | $350K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 764 | $350K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 529 | $3.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 764 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.