| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $73K | $0 | $73K | 15.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $28K | $0 | $28K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $6K | $0 | $6K | 11.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $106 | $2K | 9.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.11% |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 920 | $282K |
| Vision | VISION SERVICE PLAN | 372 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 517 | $480K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 517 | $480K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 517 | $480K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 517 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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.