| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $5K | $70K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 775 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.33% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $248 | — | $248 | 0.20% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $423 | $7K | 11.34% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $151 | $3K | 15.70% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $162 | — | $162 | 0.84% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $692 | — | $692 | 10.00% |
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 | 135 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 58 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $121K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 43 | $19K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $82K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $61K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $61K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.