| 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 | $93K | — | $93K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $16K | $16K | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE & ACCIDENT | — | $10K | $10K | 1.43% |
| PRESCOTT PAILET BENEFITS3 Filed as: PRESCOTT BENEFIT SERVICES | 12222 MERIT DRIVE STE 1230 DALLAS, TX 752512203 | HARTFORD LIFE & ACCIDENT | $873 | — | $873 | 0.13% |
| DAKOTACARE ADMINISTRATIVE SERVICES5 | 2600 WEST 49TH STREET SIOUX FALLS, SD 57105 | UNIMERICA INSURANCE COMPANY | $146K | — | $146K | 49.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 15TH FL DALLAS, TX 75231 | HARTFORD LIFE & ACCIDENT | $2K | $366 | $2K | 12.36% |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 921 | $293K |
| Dental | UNIMERICA INSURANCE COMPANY | 921 | $293K |
| Vision | UNIMERICA INSURANCE COMPANY | 921 | $293K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 529 | $672K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 529 | $672K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 529 | $672K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 921 | $293K |
| Other | HARTFORD LIFE & ACCIDENT | 615 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.