| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 8.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $7K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 7.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $4K | — | $4K | 5.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | VISION SERVICE PLAN | $3K | — | $3K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 15.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | UNUM INSURANCE COMPANY | $11K | $2K | $13K | 23.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $256 | $64 | $320 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLAN OF VIRGINIA DBA BCBS | $600 | $2K | $2K | 7.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | ANTHEM HEALTH PLAN OF VIRGINIA DBA BCBS | $343 | — | $343 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $45 | $44 | $89 | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $35 | $40 | 38.83% |
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 | 695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 638 | $108K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 688 | $226K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 688 | $125K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 688 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.