| 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 | — | $98K | $98K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 5TH FLOOR DALLAS, TX 75231 | GUARDIAN | $99K | $19K | $118K | 15.71% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 16.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.69% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | — | $17K | 42.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DR FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| PLATINUM ENROLLMENT SPECIALISTS3 Filed as: PLATINUM ENROLLMENT SPECIALISTS LLC | 100 CHALLENGER RD STE 105 RIDGEFIELD, NJ 07660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 848315 DALLAS, TX 75284 | ARMADACARE | $2K | — | $2K | 5.48% |
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 | 1,404 | 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) | 1,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $1.8M |
| Dental | GUARDIAN | 1,404 | $750K |
| Vision | GUARDIAN | 1,404 | $750K |
| Life insurance | GUARDIAN | 1,404 | $750K |
| Short-term disability | GUARDIAN | 1,404 | $750K |
| Long-term disability | GUARDIAN | 1,404 | $750K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 1,404 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,404 | — |
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.