| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-RCKV MD | 1 CHURCH STREET STE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 2.45% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE STE 400 TOWSON, MD 212044754 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD LOVELAND, OH 451408396 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.53% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE STE 400 TOWSON, MD 212044754 | PRINCIPAL LIFE INSURANCE COMPANY | $857 | $0 | $857 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 13.61% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE STE 400 TOWSON, MD 21204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $734 | — | $734 | 1.66% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 WEST SUSQUEHANNA SUITE 400 TOWSON, MD 21204 | FIDELITY SECURITY LIFE INSURANCE COMPANY - AVESIS | $970 | $0 | $970 | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $968 | $2K | 12.51% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE STE 400 TOWSON, MD 21204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $547 | $0 | $547 | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $33 | $2K | — |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.5M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $84K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - AVESIS | 296 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.