| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 554281575 | RELIASTAR LIFE INSURANCE COMPANY | $74K | — | $74K | 6.41% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 1.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $26K | — | $26K | 12.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55248 | TRANSAMERICA LIFE INSURANCE CO. | $13K | — | $13K | 6.10% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $8K | — | $8K | 3.73% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $13K | — | $13K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55248 | EXPRESS SCRIPTS, INC. | $4K | — | $4K | 2.21% |
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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE CO. | 93 | $216K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 972 | $1.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 972 | $1.2M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 93 | $182K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 972 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.