| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 419814 BOSTON, MA 022419814 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | DBA BARNEY BARNEY MMC AGENCY PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.74% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $27 | $27 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SBS MARSH & MCLENNAN AGENCY, LLC-GA | 5555 GLENRIDGE CONNECTOR #600 ATLANTA, GA 30342 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $967 | $0 | $967 | 8.49% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD DIVISION 5555 GLENRIDGE CONN #600 ATLANTA, GA 30342 | FEDERAL INSURANCE COMPANY | $234 | $0 | $234 | 15.02% |
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 | 138 | 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) | 139 | 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 | 154 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 135 | $86K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 135 | $86K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 135 | $86K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 135 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.