| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5605 CARNEGIE BLVD STE 300 CHARLOTTE, NC 28209 | HARTFORD LIFE AND ACCIDENT | $99K | $0 | $99K | 12.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, A MARSH MCLENNAN AGENCY | 3625 NORTH ELM STREET #200 GREENSBORO, NC 27455 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | $0 | $6K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 16.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METLIFE LEGAL PLANS | $0 | $162 | $162 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | $0 | $66 | $66 | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF A MARSH & MCLENNAN AGENCY | PARK 80 WEST SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $53 | $53 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $43 | $43 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METLIFE LEGAL PLANS | $0 | $11 | $11 | 0.04% |
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 | 999 | 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) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,033 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 999 | $770K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 999 | $770K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 999 | $770K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 999 | $794K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.