| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $90K | $0 | $90K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 276123382 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $53 | $53K | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $741 | $741 | 0.08% |
| HOWARTH III, FREDERICK W3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $7K | $52K | 20.95% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 303261234 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $11K | 8.46% |
| MULLIN TBG INS AGENCY SERVICES LLC3 | 3333 MICHELSON DR STE 820 IRVINE, CA 926120655 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| HARRY N LEVITT3 | 23901 CALABASAS RD STE 1015 C/O MCNAIR WOLK LLP CALABASAS, CA 913023376 | METROPOLITAN LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $507 | $0 | $507 | 9.46% |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,838 | $1.0M |
| Vision | VISION SERVICE PLAN | 913 | $280K |
| Life insurance(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,400 | $3.0M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,391 | $1.1M |
| Other(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,838 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,838 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.