| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | HEALTHPARTNERS INSURANCE COMPANY | $82K | — | $82K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 17.73% |
| MARC A GROVE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146 | $146 | $292 | 0.55% |
| BRIDGET ZUNIGA3 Filed as: BRIDGET AUSMAN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $896 | $4K | 20.69% |
| MARC A GROVE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | $85 | $170 | 0.84% |
| BRIDGET ZUNIGA3 Filed as: BRIDGET AUSMAN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $595 | $3K | 20.70% |
| MARC A GROVE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | $57 | $114 | 0.85% |
| BRIDGET ZUNIGA3 Filed as: BRIDGET AUSMAN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $99 | $1K | 17.42% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 359 | $1.8M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 359 | $1.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $22K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $34K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $53K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.