| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 752314337 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $280K | $315K | 6.18% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21 | $21 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $3K | $24K | 16.92% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $17K | 16.89% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $12K | 17.09% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $328 | $3K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $444 | — | $444 | 15.65% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $452 | — | $452 | 15.98% |
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 | 1,407 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $5.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $5.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,206 | $5.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,407 | $143K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 283 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 889 | $99K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,407 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,407 | — |
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.