| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $72K | $72K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 10.00% |
| MOSAIC GROUP SERVICES3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 4.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $20K | 9.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $481 | $41 | $522 | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $420 | $22 | $442 | 8.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $399 | $25 | $424 | 8.97% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $217K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 314 | $254K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 314 | $254K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 314 | $254K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $2.3M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 314 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
No prospect flags tripped on this filing.