| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | -$17 | $77K | $77K | 1.70% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DR WEST CHESTER, OH 45069 | MANHATTANLIFE | $131 | — | $131 | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3445 S DIXIE DR SUITE 200 MORAINE, OH 45439 | MANHATTANLIFE | $67 | — | $67 | 2.03% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DR SUITE Q WEST CHESTER, OH 450696585 | MANHATTANLIFE | $59 | — | $59 | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3445 S DIXIE DR STE 200 MORAINE, OH 454392329 | MANHATTANLIFE | $30 | — | $30 | 2.05% |
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 | 638 | 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) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $4.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $4.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $4.5M |
| Life insurance(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 638 | $162K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $176K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $176K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $4.5M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 638 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.