| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MLCENNAN AGENCY LLC | PO BOX 505310 ST LOUIS, MO 63150 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 505310 ST LOUIS, MO 63150 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.48% |
| MMA3 | — | VISION SERVICE PLAN | $17K | $0 | $17K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 505310 ST LOUIS, MO 63150 | STANDARD INSURANCE COMPANY | $41K | $0 | $41K | 69.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 505310 ST LOUIS, MO 63150 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 18.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METLIFE LEGAL PLANS | $3K | $64 | $3K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $0 | $102 | $102 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | $0 | $94 | $94 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $0 | $26 | $26 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MLCENNAN AGENCY LLC | 250 PEHLE AVE SUITE 400 PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $25 | $25 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | — | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 471 | $90K |
| Life insurance | STANDARD INSURANCE COMPANY | 601 | $186K |
| Short-term disability | STANDARD INSURANCE COMPANY | 97 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 591 | $111K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 93 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.