| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $11K | $3K | $13K | 24.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $4K | $2K | $6K | 16.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $6K | $451 | $6K | 21.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $2K | $1K | $4K | 15.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET GREENSBORO, NC 27455 | GUARDIAN | $8K | $445 | $9K | 49.54% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVENUE #3 CHICAGO, IL 60618 | GUARDIAN | $21 | — | $21 | 0.12% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $2K | $86 | $2K | 17.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | — | $61K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | — | $38K |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $434K |
| Dental | GUARDIAN | 133 | $18K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 133 | $31K |
| Life insurance | RELIANCE STANDARD | 166 | $25K |
| Short-term disability | RELIANCE STANDARD | 96 | $54K |
| Long-term disability | RELIANCE STANDARD | 71 | $35K |
| Other(3 contracts) | RELIANCE STANDARD | 166 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.