| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGCY LLC | PO BOX 419814 BOSTON, MA 022419814 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 ATTN - ACCOUNTING SAN DIEGO, CA 921865638 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SLIS EIN 27-0142436 STOP LOSS AND TRANSPLANT | Other insurance fees and expenses Service code 73 | — | $464K |
| INNOVATIVE INSURANCE SPECIALISTS EIN 20-1842509 INSURANCE NETWORK | Other services; Plan Administrator Service code 14 | — | $224K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance brokerage commissions and fees Service code 53 | 800 CONNECTICUT AVE 4TH FLOOR NORWALK, CT 06854 | $136K |
| GROUP BENEFIT SERVICES, INC. PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $130K |
| WESTIN PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $68K |
| MULTIPLAN PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $17K |
| HEALTHCARE INTERACTIVE BROKER | Insurance brokerage commissions and fees Service code 53 | — | $10K |
| INNOVATIVE BENEFIT TECH PLAN ADMINISTRATION | Plan Administrator Service code 14 | — | $9K |
| GROUP BENEFIT SERVICES BROKER | Insurance brokerage commissions and fees Service code 53 | — | $3K |
| MARSH & MCLENNAN PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $2K |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.