| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $87K | $87K | 6.21% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FINANCIAL SVCS, LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$4K | -$4K | -0.25% |
| INNOVA INSURANCE SOLUTIONS3 | 3191 W TEMPLE AVE STE 285 POMONA, CA 917683287 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$18K | -$18K | -1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $53 | $19K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $206 | $206 | 0.09% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $235K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $235K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $235K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $235K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $235K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.