| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 9.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $636 | $0 | $636 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $577 | $0 | $577 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 21.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $565 | $0 | $565 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $432 | $0 | $432 | 0.96% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 726 | $166K |
| Life insurance | STANDARD INSURANCE COMPANY | 229 | $66K |
| Short-term disability | STANDARD INSURANCE COMPANY | 196 | $64K |
| Long-term disability | STANDARD INSURANCE COMPANY | 197 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.