| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC AUSTIN | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 70894 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $63K | $63K | 3.97% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SVCS | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 1.33% |
| NEXTEP BENEFITS SERVICES LLC3 Filed as: NEXTEP BENEFITS SERVICES | 1800 N INTERSTATE DR NORMAN, OK 70079 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$671 | -$671 | -0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD ATE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $34 | $7K | 7.57% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $761 | $761 | 0.86% |
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 | 120 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 247 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $89K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.