| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST, STE G1 MIAMI, FL 33186 | UNITED HEALTHCARE INSURANCE COMPANY | $621 | $18K | $18K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTHKEEPERS, INC. (G1608) | $15K | $0 | $15K | 3.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | HEALTHKEEPERS, INC. (G1608) | $4K | $0 | $4K | 1.07% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST. STE G1 MIAMI, FL 33186 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 20.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE CO. | $4K | $0 | $4K | 12.44% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $3K | $3K | 8.85% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $2K | $2K | 5.81% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128TH ST. STE G1 MIAMI, FL 33186 | TRANSAMERICA LIFE INSURANCE CO. | $129 | $0 | $129 | 0.37% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE CO. | $13 | $0 | $13 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 3625 N ELM ST, STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $1K | $0 | $1K | 5.64% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF VIRGINIA | $448 | $0 | $448 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE CO. | $3K | $0 | $3K | 17.72% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $1K | $1K | 8.92% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE CO. | $0 | $912 | $912 | 6.38% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | EYEMED | $106 | $0 | $106 | 3.37% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 625 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $414K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $391K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.