| 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 | $36K | $0 | $36K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 730 BROOKFIELD, WI 53008 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 510925 NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81K | $23K | $104K | 24.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 17335 GOLD PKWY STE 450 BROOKFIELD, WI 53045 | DELTA DENTAL OF WI | $27K | $0 | $27K | 11.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | FIRST STOP HEALTH | $5K | $0 | $5K | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 17355 GOLD PKWY STE 450 BROOKFIELD, WI 53045 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.27% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 444 | $4.3M |
| Dental | DELTA DENTAL OF WI | 426 | $242K |
| Vision | VISION SERVICE PLAN | 403 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $420K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $420K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $420K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.