| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $9K | $25K | 15.65% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $9K | — | $9K | 9.95% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $894 | — | $894 | 4.75% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $477 | — | $477 | 2.54% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $70 | — | $70 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $1K | — | $1K | 11.17% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | UNUM INSURANCE COMPANY | $485 | — | $485 | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $188 | $188 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM INSURANCE COMPANY | $2K | — | $2K | 12.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM INSURANCE COMPANY | — | $422 | $422 | 3.35% |
| MST INSURANCE SOLUTIONS, INC.3 | 21241 S. WESTERN AVE STE 200 TORRANCE, CA 90501 | UNUM INSURANCE COMPANY | $86 | — | $86 | 0.68% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 262 | $2.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 272 | $86K |
| Vision | VISION SERVICE PLAN | 167 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $161K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $161K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.