| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITED HEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 1.30% |
| USI INSURANCE SERVICES LLC3 | 8360 WEST SAHARA AVENUE SUITE 110 LAS VEGAS, NV 89117 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.68% |
| USI INSURANCE SERVICES LLC3 | 1120 NORTH TOWN CENTER DRIVE SUITE 240 LAS VEGAS, NV 89144 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.35% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 4.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 6.68% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $2.6M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $237K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 263 | $21K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $237K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $237K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $237K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 155 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.