| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $11K | $18K | 8.88% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KSPH - MARSH & MCLENNAN AGENCY LLC | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 232302131 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | -$68 | $19K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 10.48% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.21% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.21% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 25.85% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.79% |
| EA LEGACY LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.02% |
| UNKNOWN3 | — | FLEXCARE DIGITAL HEALTH | $1K | $13K | $14K | — |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 699 | $195K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 699 | $195K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 699 | $195K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $198K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $107K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.