| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL | $492 | — | $492 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $911 | — | $911 | 8.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $626 | — | $626 | 9.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $803 | — | $803 | 13.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ENROLLEASE Filed as: ONE DIGITAL | 10672 BLOOMINGDALE AVE. RIVERVIEW, FL 33578 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $207 | — | $207 | 14.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR #300 MINNEAPOLIS, MN 55428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16 | — | $16 | 4.95% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 289 | $29K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $10K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $7K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.