| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28198 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 28198 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PKWY, STE 2500 HOUSTON, TX 77019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 W MADISON ST, STE 1200 CHICAGO, IL 60661 | DELTA DENTAL OF WI | $4K | $0 | $4K | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 W MADISON ST., STE. 1200 CHICAGO, IL 60661 | DELTA DENTAL OF WI | $2K | $0 | $2K | 6.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 540 W MADISON ST., STE. 1200 CHICAGO, IL 60661 | WYSSTA INSURANCE COMPANY INC | $963 | $0 | $963 | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $800 | $0 | $800 | 10.60% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.9M |
| Dental(2 contracts) | DELTA DENTAL OF WI | 115 | $96K |
| Vision(2 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC | 103 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $165K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $165K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $165K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.