| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-ROCKVIL | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.74% |
| HOUCHENS INSURANCE3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | AVESIS INSURANCE INCORPORATED | $181 | — | $181 | 0.88% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLCC | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | AVESIS INSURANCE INCORPORATED | $110 | — | $110 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $871 | $2K | 16.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $79 | — | $79 | 1.24% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $6 | $8 | 0.13% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $6K |
| Vision | AVESIS INSURANCE INCORPORATED | 271 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.