| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 70894 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $147K | $147K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS SUITE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $76K | $17K | $92K | 18.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 10.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.79% |
| THE MB GROUP3 Filed as: MB BENEFITS | 100 CHALLENGER ROAD SUITE 400 RIDGEFIELD PARK, NJ 07660 | STANDARD INSURANCE COMPANY | $47K | — | $47K | 44.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 300 WEST 10TH STREET J SMIT LANIER DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $183 | $2K | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 15TH FLOOR DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $813 | — | $813 | 1.56% |
| PLATINUM ENROLLMENT SPECIALISTS3 Filed as: PLATINUM ENROLLMENT SPECIALISTS LLC | 100 CHALLENGER RD STE 105 RIDGEFIELD, NJ 07660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 16.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.65% |
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 | 1,375 | 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) | 1,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $2.8M |
| Dental | STANDARD INSURANCE COMPANY | 663 | $236K |
| Vision | STANDARD INSURANCE COMPANY | 644 | $52K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,333 | $506K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,333 | $506K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,333 | $506K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,333 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,333 | — |
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.