| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, FLOOR 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP. | $31K | $4K | $35K | 10.08% |
| PREMIER BENEFITS3 Filed as: PREMIER BENEFITS INC. | 9480 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | AMERITAS LIFE INSURANCE CORP. | $15K | $0 | $15K | 4.45% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE, SUITE A EVANSVILLE, IN 47715 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, FLOOR 15 DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $55K | $0 | $55K | 90.00% |
| PREMIER BENEFITS3 Filed as: PREMIER BENEFITS, INC. | 9480 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | COMPANION LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
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 | 516 | 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) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 463 | $61K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,212 | $347K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,212 | $347K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 463 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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.
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.