| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 412703 BOSTON, MA 02241 | MEDICA INSURANCE COMPANY | $10K | $276 | $10K | 2.05% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST STE 1600 DULUTH, MN 55802 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $832 | $0 | $832 | 9.99% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.85% |
| WHEELER ASSOCIATES3 | 306 W SUPERIOR ST STE 1600 DULUTH, MN 55802 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $547 | $0 | $547 | 11.01% |
| TRUE NETWORK OF ADVISORS LLC3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.97% |
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 | 88 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 62 | $491K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.