| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $11K | $3K | $13K | 25.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $6K | $2K | $8K | 25.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST #200 GREENSBORO, NC 27455 | GUARDIAN | $10K | $940 | $11K | 34.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $3K | $2K | $5K | 15.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $4K | $1K | $5K | 19.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | RELIANCE STANDARD | $727 | $217 | $944 | 19.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 N/A | Contract Administrator Service code 13 | — | $54K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 N/A | Insurance agents and brokers Service code 22 | — | $36K |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | 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 | 142 | $329K |
| Dental | GUARDIAN | 133 | $31K |
| Vision | GUARDIAN | 133 | $31K |
| Life insurance | RELIANCE STANDARD | 137 | $30K |
| Short-term disability | RELIANCE STANDARD | 83 | $53K |
| Long-term disability | RELIANCE STANDARD | 58 | $31K |
| Other(3 contracts) | RELIANCE STANDARD | 137 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.