| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $103K | $103K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 5TH FLOOR DALLAS, TX 75231 | GUARDIAN | $108K | $11K | $119K | 14.53% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 34.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $790 | — | $790 | 1.44% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | — | $15K | 30.44% |
| PLATINUM ENROLLMENT SPECIALISTS3 Filed as: PLATINUM ENROLLMENT SPECIALISTS LLC | 100 CHALLENGER RD STE 105 RIDGEFIELD, NJ 07660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 1945 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $184 | — | $184 | 0.37% |
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 | 1,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $2.1M |
| Dental | GUARDIAN | 1,370 | $820K |
| Vision | GUARDIAN | 1,370 | $820K |
| Life insurance | GUARDIAN | 1,370 | $820K |
| Short-term disability | GUARDIAN | 1,370 | $820K |
| Long-term disability | GUARDIAN | 1,370 | $820K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 1,370 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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.