| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $119K | $119K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40588 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $583 | $5K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $237 | $2K | 16.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $126 | $2K | 16.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 CLAIMS/ADMIN | Other fees; Claims processing Service code 12 | — | $109K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Other commissions; Insurance agents and brokers Service code 22 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | $5K |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 471 | $2.5M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 605 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $13K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $58K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.