| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY MMC AGENCY PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 | BOSTONIAN MMC COMPANY STE 401 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 3.42% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $96 | $96 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 5.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02116 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $31K | $0 | $31K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $33 | $9K | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.03% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 024582834 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | BOSTONIAN GROUP 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | BOSTONIAN GROUP 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 20.00% |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 34 | $170K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,222 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 539 | $591K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 539 | $591K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 539 | $591K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 34 | $170K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 539 | $804K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,222 | — |
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.