| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PACE UNDERWRITERS | $54K | — | $54K | 21.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH STREET WEST POINT, GA 31833 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.88% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANOPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.05% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACE UNDERWRITERS | 230 | $245K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 115 | $81K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 115 | $81K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $65K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $65K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $65K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS | 230 | $245K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.