| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $485 | $485 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $347 | $347 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $174 | $174 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 19.64% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $624 | — | $624 | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $490 | $6K | 25.97% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $281 | $281 | 15.03% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 301 | $68K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $198K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $95K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
No prospect flags tripped on this filing.