| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $4K | $8K | $12K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $16K | $0 | $16K | 11.26% |
| 0009K8913 | MARSH MCLENNAN AGENCY LLC 101 HUNTINGTON BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.34% |
| 0009K8933 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $457 | $457 | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PAYNEWEST INSURANCE PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $346 | $0 | $346 | 1.95% |
| 65002643 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 70.67% |
| MARSH & MCLENNAN AGENCY LLC3 | NEW ENGLAND 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 9.86% |
| VOZZA INSURANCE AGENCY3 | 830 E FRONT ST STE 200 TRAVERSE CITY, MI 49686 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.30% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $562 | $562 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $914 | $114 | $1K | 11.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $124 | $1K | 16.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $988 | $82 | $1K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PAYNEWEST INSURANCE PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $51 | $0 | $51 | 1.87% |
| VOZZA, JULIO3 | 564 GEORGETOWN PL TRAVERSE CITY, MI 49684 | PRIORITY HEALTH INSURANCE COMPANY | $114 | $0 | $114 | 7.97% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 237 | $1.9M |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 237 | $1.5M |
| Vision(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 237 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $39K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $30K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 164 | $140K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.