| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - MIAMI | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 331782986 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $88K | $105K | 5.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 232302131 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $38 | $40K | 12.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FL | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $261 | $261 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $30 | $3K | 7.49% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 6.91% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $11 | $2K | 9.03% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | VARIOUS AGENTS - SEE ATTACHED 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $142 | $2K | 16.78% |
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 | 781 | 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) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $315K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $315K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.