| 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 | $608K | $0 | $608K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $113K | $113K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $38K | $38K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $649K | $0 | $649K | 14.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $85K | $85K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $30K | $30K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $11K | -$505 | $11K | 14.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 16.65% |
| MICCOLI, PETER, A3 | 8044 MONTGOMERY RD STE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.13% |
| MICCOLI, PETER, A3 | 8044 MONTGOMERY RD STE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $696 | $0 | $696 | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $440 | $0 | $440 | 2.32% |
| MICCOLI, PETER, A3 | 8044 MONTGOMERY RD STE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.64% |
| GREGORY, KEVIN D3 Filed as: GREGORY, KEVIN, D | 454 CRYSTAL LAKE DR ORANGE VALLEY, OH 44022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 2.20% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 1.97% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.12% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE, LOUIS, J | 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 | 11,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 9,887 | $1.2M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 7,110 | $10.5M |
| Long-term disability(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,110 | $10.6M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 11,920 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,920 | — |
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.