| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | KANSAS CITY 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $15K | $52K | 1.93% |
| FINANCIAL DESIGNS INC3 | 8000 NW 7TH ST, STE 201 MIAMI, FL 33126 | UNITEDHEALTHCARE INSURANCE COMPANY | -$12 | -$183 | -$195 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | KANSAS CITY 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.54% |
| FINANCIAL DESIGNS INC3 | 8000 NW 7TH ST, STE 201 MIAMI, FL 33126 | UNITEDHEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST, STE 100 MIAMI, FL 33178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $19K | $25K | 3.31% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $34K | — | $34K | 7.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $30K | — | $30K | 6.98% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY-ST LOUIS | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | TRANSAMERICA INSURANCE CO | $40K | — | $40K | 13.56% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $13K | — | $13K | 4.43% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $12K | — | $12K | 3.94% |
| IMPACT INTERACTIVE LLC5 | PO BOX 603188 CHARLOTTE, NC 282603188 | TRANSAMERICA INSURANCE CO | $3K | — | $3K | 0.99% |
| EXCELSIOR BENEFITS LLC5 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO | -$21 | — | -$21 | -0.01% |
| FINANCIAL DESIGNS INC5 | 8000 NW 7TH STREET STE 201 MIAMI, FL 33126 | TRANSAMERICA INSURANCE CO | -$118 | — | -$118 | -0.04% |
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 | 593 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 658 | $5.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 658 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 658 | $2.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $753K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $753K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $753K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 647 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.