| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $17K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 4201 WESTOWN PKWY STE 120 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | — |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 525 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 472 | $26K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 318 | $160K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 328 | $64K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 318 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.