| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | $45K | $0 | $45K | 14.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | $34K | $0 | $34K | 14.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 12.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD BENEFIT SVCS | PO BOX 12748 ROANOKE, VA 24028 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $8K | $0 | $8K | 16.70% |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 914 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 810 | $309K |
| Short-term disability | STANDARD INSURANCE COMPANY | 339 | $211K |
| Long-term disability | STANDARD INSURANCE COMPANY | 503 | $236K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 810 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.