| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.02% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 8215 FOREST POINT BLVD, STE 150 CHARLOTTE, NC 28273 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $153 | $5K | 6.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.12% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 214 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 214 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 214 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $73K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $73K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $73K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 214 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.