| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $588K | $0 | $588K | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $136K | $136K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $668K | $0 | $668K | 14.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $105K | $105K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 15.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | $0 | $39 | 4.52% |
| KEVIN D GREGORY3 | 454 CRYSTAL LAKE DR ORANGE VALLEY, OH 44022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 2.32% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.12% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | CUSTOM BENEFITS PROGRAMS INC PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 7.19% |
| BAILEY, GRANT, STUDEBAKER3 | GRAND BALDWIN BUILDING 655 EDEN PARK DR STE 250 CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 2.61% |
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 | 10,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 9,651 | $968K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 5,545 | $10.3M |
| Long-term disability(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,545 | $10.3M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 11,205 | $10.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,205 | — |
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.