| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 7.47% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE #400 TOWSON, MD 21204 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 6.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $999 | $999 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 26.35% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE STE 400 TOWSON, MD 21204 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 24.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.19% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANNA AVE STE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $807 | $0 | $807 | 1.16% |
| EVANS, MATTHEW W3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | UNITEDHEALTHCARE INSURANCE COMPANY | $807 | $0 | $807 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 11.82% |
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 | 330 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 337 | $128K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 337 | $128K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 330 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 330 | $157K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 330 | $157K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 356 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.