| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC-SC | ROSENFELD EINSTEIN, A GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $24K | $24K | $49K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $25K | $50K | 5.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $5K | $77K | 18.55% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $934 | $23K | 5.46% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.26% |
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 | 3,250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 4,535 | $1.0M |
| Vision | VISION SERVICE PLAN | 2,662 | $254K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,250 | $902K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,250 | $902K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,250 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,535 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.