| 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 | $201K | $238K | 3.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $87K | $105K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 13.63% |
| LOCKTON COMPANIES, LLC7 Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC Filed as: THE NIA GROUP A MARSH & MCLEANNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 13.56% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC Filed as: THE NIA GROUP A MARSH & MCLEANNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 13.57% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC Filed as: THE NIA GROUP A MARSH & MCLEANNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.60% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | — | $250 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC Filed as: THE NIA GROUP A MARSH & MCLEANNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $171 | $171 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $238 | — | $238 | 9.54% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $136 | — | $136 | 5.45% |
| MARSH & MCLENNAN AGENCY LLC7 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $185 | — | $185 | 9.73% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC DEPT 3042 | PO BOX 123042 DALLAS, TX 753123042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $100 | — | $100 | 5.26% |
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 | 1,415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,286 | $7.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,286 | $7.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,286 | $7.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,075 | $171K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 935 | $112K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,415 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.