| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 1 CHURCH STREET, STE 500 ROCKVILLE, MD 20850 | MERITAIN HEALTH | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC | 1 CHURCH STREET, STE 500 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $966 | $4K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC | 1 CHURCH STREET, SUITE 100 ROCKVILLE, MD 20850 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC | 1 CHURCH STREET, STE 500 ROCKVILLE, MD 20850 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 17.02% |
| MARSH & MCLENNAN AGENCY LLC | ONE CHURCH STREET, SUITE 500 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $519 | $349 | $868 | — |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 99 | $119K |
| Dental(2 contracts, 2 carriers) | MERITAIN HEALTH | 204 | $192K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 136 | $11K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 117 | $11K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 22 | $11K |
| Prescription drug | MERITAIN HEALTH | 99 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.