| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $209K | $113K | $321K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $158K | $158K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNITEDHEALTHCARE INSURANCE COMPANY | $558 | $0 | $558 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $355 | $0 | $355 | 0.00% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $250K | $0 | $250K | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTER DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $33 | $37K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.00% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 0.18% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | RELIASTAR LIFE INSURANCE COMPANY | $108K | $0 | $108K | 20.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $22K | $22K | 4.00% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC | -$123 | $0 | -$123 | -0.02% |
| NAVA BENEFITS3 Filed as: NAVA PARTNERS INSURANCE SOLUTIONS | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.71% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | ARMADA CARE | $600 | $0 | $600 | 1.10% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 11.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 740659 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 4.89% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $738 | $738 | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DRIVE SUITE 100, BUILDING 1 JOHNS CREEK, GA 30097 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $227 | $227 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $32 | $32 | 0.09% |
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 | 3,396 | 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) | 3,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,396 | $11.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,975 | $11.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,507 | $8.4M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,975 | $11.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,975 | $3.6M |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,975 | $11.9M |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,507 | $11.2M |
| Other(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,975 | $12.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,975 | — |
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.
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.