| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 0.00% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO | 1001 HIGHLANDS PLAZA DR W # 500 ST LOUIS, MO 63110 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.00% |
| BENCHMARK PLANNING GROUP LLC3 Filed as: BENCHMARK PLANNING GROUP, LLC | 65 MECHANIC ST # 205 RED BANK, NJ 07701 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | UNITED HEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERVILLE, MO 63017 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.00% |
| BENEFITS CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.00% |
| NEW AGENCY PARTNERS, LLC3 Filed as: NEW AGENCY PARTNERS | 99 CHERRY HILL RD #200 PARSIPPANY, NJ 07054 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE #400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.00% |
| CLJM LLC3 | ATTN KATH MALLONEE CLAYTON, MO 63105 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.00% |
| ENDEAVOR INSURANCE SERVICES, INC.3 | PO BOX 198 GREER, SC 29652 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE #2 HIGHTSTOWN, NJ 08520 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| BENSMAN ASSOCIATES LTD3 | 2333 WAUKEGAN RD # 275 BANNOCKBURN, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.00% |
| JOHN H KRANTZ III3 | 12801 N CENTRAL EXPRESSWAY # 1710 DALLAS, TX 75243 | UNITED HEALTHCARE INSURANCE COMPANY | — | $705 | $705 | 0.00% |
| LINCOLN INSURANCE SERVICES3 | 1660 OLYMPIC BLVD STE 201 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | — | $700 | $700 | 0.00% |
| JD GILMOUR & CO INC3 Filed as: JD GILMOUR & CO | 300 W GLENOAKS LOS ANGELES, CA 91202 | UNITED HEALTHCARE INSURANCE COMPANY | — | $675 | $675 | 0.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LTD | 5740 S ARVILLE #204 LAS VEGAS, NV 89118 | UNITED HEALTHCARE INSURANCE COMPANY | — | $577 | $577 | 0.00% |
| ADVANCED BENEFIT STRATEGIES INC3 Filed as: ADVANCED BENEFIT STRATEGIES | 1593 SPRING HILL RD #155 VIENNA, VA 22182 | UNITED HEALTHCARE INSURANCE COMPANY | — | $483 | $483 | 0.00% |
| SPECTRUM BENEFITS LLC3 | 5151 BELT LINE RD # 715 DALLAS, TX 75254 | UNITED HEALTHCARE INSURANCE COMPANY | — | $422 | $422 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DR #500 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | — | $390 | $390 | 0.00% |
| AGENCY INSURANCE INC3 Filed as: AGENCY INSURANCE INC. | 1 ELIOT PL #200 FAIRFIELD, CT 06824 | UNITED HEALTHCARE INSURANCE COMPANY | — | $344 | $344 | 0.00% |
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED HEALTHCARE INSURANCE COMPANY | — | $168 | $168 | 0.00% |
| AXION RMS LTD3 | 2651 WARRENVILLE RD #200 DOWNERS GROVE, IL 60515 | UNITED HEALTHCARE INSURANCE COMPANY | — | $66 | $66 | 0.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP INC. | 4405 EAST WEST HWY #202 BETHESDA, MD 20814 | UNITED HEALTHCARE INSURANCE COMPANY | — | $66 | $66 | 0.00% |
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 | 134,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,182 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 137,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 256,744 | $1.3B |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 256,744 | $1.2B |
| Vision | VISION SERVICE PLAN | 126,774 | $9.9M |
| Prescription drug(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 256,744 | $1.3B |
| Other | UNITED HEALTHCARE INSURANCE COMPANY, OPTUM CARE 24 | 196,263 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256,744 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.