| 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 | $63K | $311K | $373K | 6.27% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $618 | — | $618 | 16.23% |
| MARSH & MCLENNAN AGENCY LLC7 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $422 | — | $422 | 16.61% |
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 | 1,543 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $6.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $6.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $6.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,543 | $186K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,014 | $159K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,543 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,543 | — |
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.