| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HCC LIFE INSURANCE COMPANY | — | $10K | $10K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $280 | $2K | 9.80% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY, LLC | PO BOX 373 TAMPA, FL 33601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $315 | — | $315 | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PHLE AVE W STE 400 SADDLEBROOK, NJ 07663 | SYMETRA LIFE INSURANCE COMPANY | $123 | — | $123 | 8.15% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W. PLATT ST STE 200 TAMPA, FL 33606 | SYMETRA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.93% |
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 | 220 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 218 | $253K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $17K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $2K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 218 | $253K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.