| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNIMERICA INSURANCE COMPANY | $23K | $0 | $23K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing Service code 12 | 9900 BREN RD E MINNETONKA, MN 55343 | $88K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | $39K |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $203K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $203K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $203K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $203K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 490 | $203K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 202 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
No prospect flags tripped on this filing.