| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $290 | $290 | 1.75% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INCORPORATED | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.83% |
| ADVANCED LTC INSURANCE SERVICES3 Filed as: ADVANCED LTC INSURANCE SERVICES LLC | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $633 | $0 | $633 | 3.85% |
| FIRST USA INSURANCE BROKERAGE, INC.3 Filed as: FIRST USA INSURANCE BROKERAGE INC. | 6119 LA GRANADA, SUITE C#2151 RANCHO SANTE FE, CA 92067 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.32% |
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 | 590 | 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) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 590 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 590 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $319K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $335K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $319K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 590 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
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.