| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $0 | $80K | 7.37% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $0 | $45K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.13% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY ALLIANCE LIFE INSURANCE COM | — | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $731K | $0 | $731K | 152.77% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $24K | $24K | 5.07% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 20.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.61% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 17.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $648 | $0 | $648 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 14.81% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $630 | $0 | $630 | 0.63% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 17.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $360 | $0 | $360 | 0.63% |
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 | 917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,032 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,032 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,032 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,032 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,032 | $1.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,116 | $648K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,032 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,032 | — |
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.