| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $587 | $587 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.02% |
| ITO LAH INC3 | 2311 TEXAS DRIVE #100 IRVING, TX 75062 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 15.20% |
| MORETON & COMPANY3 Filed as: JOHN L MORTON | 12164 N ANNA CADE ROAD ROCKWALL, TX 75087 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 15.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $1K | $5K | 49.57% |
| MARSH & MCLENNAN AGENCY LLC3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $972 | $0 | $972 | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL16 DALLAS, TX 75231 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $475 | $0 | $475 | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $48 | $48 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | MAGELLAN HEALTHCARE | $378 | $0 | $378 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $120K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $45K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 BROKER | Other commissions Service code 55 | 8144 WALNUT HILL LANE 16TH FL DALLAS, TX 75231 | $10K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $64K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 151 | $10K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 187 | $71K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 187 | $71K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $31K |
| Stop-loss / reinsurancereinsurance | SYMETRA - STEALTH | 183 | $500K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 187 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.