| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | COMPANION LIFE INSURANCE COMPANY | $61K | — | $61K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 77251 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $34 | $27K | 13.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRIO GROUP A MARSH & MCLENNAN AGENC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2727 ALLEN PARKWAY HOUSTON, TX 77019 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 10.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC. | 5005 LBJ FREEWAY, SUITE 1400 DALLAS, TX 75244 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $225 | — | $225 | 15.00% |
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 | 721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 589 | $186K |
| Vision | AETNA LIFE INSURANCE CO. | 377 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $199K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 545 | $199K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 489 | $406K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.