| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENN DUNN INSURANCE3 Filed as: SENN DUNN INS | 3625 N ELM ST SUITE 200 GREENSBORO, NC 27455 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 022419110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $12K | 15.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 022419110 | NATIONWIDE | $4K | $8K | $12K | 29.09% |
| FRINGE BENEFIT SERVICES5 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | — | $10K | $10K | 23.61% |
| PHCS5 Filed as: MULTIPLAN, INC. | PO BOX 29380 NEW YORK, NY 10087 | NATIONWIDE | — | $5K | $5K | 11.00% |
| MARSH & MCLENNAN AGENCY LLC4 | PO BOX 419814 BOSTON, MA 022419110 | CRUM & FOSTER | $91 | — | $91 | 10.01% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $553K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $78K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $78K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $79K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $78K |
| Prescription drug | NATIONWIDE | 51 | $42K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 51 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.