| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $93K | — | $93K | 6.29% |
| PREMIER BENEFITS3 | 9480 PRIORITY WAY W. DRIVE INDIANAPOLIS, IN 46240 | COMPANION LIFE INSURANCE COMPANY | $11K | — | $11K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MC LENNAN AGENCY LLC | 8144 WALNUT HILL LN FL 16 DALLAS, TX 752314388 | AMERITAS LIFE INSURANCE CORP. | $28K | — | $28K | 10.00% |
| PREMIER BENEFITS3 Filed as: PREMIER BENEFITS INC | 9480 PRIORITY WAY WEST DR INDIANAPOLIS, IN 462401470 | AMERITAS LIFE INSURANCE CORP. | $14K | — | $14K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635832 | AMERITAS LIFE INSURANCE CORP. | — | $4K | $4K | 1.57% |
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 | 702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 702 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,199 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.