| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | HARTFORD LIFE & ACCIDENT | $74K | — | $74K | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $11K | $11K | 2.01% |
| DAKOTACARE ADMINISTRATIVE SERVICES5 | 2600 WEST 49TH STREET SIOUX FALLS, SD 57105 | UNIMERICA INSURANCE COMPANY | — | $138K | $138K | 46.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | HARTFORD LIFE & ACCIDENT | $1K | $201 | $2K | 11.53% |
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 | 454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 909 | $294K |
| Dental | UNIMERICA INSURANCE COMPANY | 909 | $294K |
| Vision | UNIMERICA INSURANCE COMPANY | 909 | $294K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 525 | $551K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 525 | $551K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 525 | $551K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 909 | $294K |
| Other | HARTFORD LIFE & ACCIDENT | 454 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.