| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HUMANA HEALTH PLAN, INC | $59K | — | $59K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | — | $3K | 9.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 60.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | ATTN - CMS 12421 MEREDITH DRIVE URBANDALE, IA 50398 | TRANSAMERICA LIFE INSURANCE COMPANY | $67 | — | $67 | 0.41% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 290 | $2.2M |
| Dental | DELTA DENTAL OF KENTUCKY | 584 | $107K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 567 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $232K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $232K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $232K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 290 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
No prospect flags tripped on this filing.