| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 551 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 6.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 551 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $786 | $188 | $974 | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84 | $84 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $799 | — | $799 | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 551 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $758 | — | $758 | 9.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $391 | $97 | $488 | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | $512 | — | $512 | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 551 MAITLAND, FL 32751 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | $496 | — | $496 | 7.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | $336 | $83 | $419 | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | — | $34 | $34 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $596 | — | $596 | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 551 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $540 | — | $540 | 8.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $287 | $69 | $356 | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30 | $30 | 0.50% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $233K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $226K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $226K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $226K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $226K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.5M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.