| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $994 | $77K | $78K | 6.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $473 | $25K | $25K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 2.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN RD. STE 1225 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $282 | $5K | 2.33% |
| JOSHUA N JEFFRIES3 | 7500 OLD GEORGETOWN RD. STE 1225 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $291 | — | $291 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | AETNA | $5K | — | $5K | 6.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR. DALLAS, TX 75251 | AETNA | $4K | — | $4K | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA | $890 | — | $890 | 1.23% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | AETNA | $580 | — | $580 | 0.80% |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.2M |
| Dental | AETNA | 85 | $72K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $222K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $222K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $222K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.