| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLOS, MN 55416 | MEDICA INSURANCE COMPANY | $0 | $190 | $190 | 0.05% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 15.47% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 16.04% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $855 | $855 | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.34% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $774 | $774 | 3.62% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $382 | $382 | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 22.44% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 178 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 173 | $124K |
| Vision | STANDARD INSURANCE COMPANY | 168 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 77 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 151 | $24K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 142 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.