| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: 0009H753 | MARSH MCLENNAN AGENCY LLC 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 00000 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $217K | $0 | $217K | 11.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: 0009K726MARSH & MCLENNAN AGENCY LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $23K | $23K | 1.16% |
| 000N03303 | HAUSER INC 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 0.84% |
| 000EI6253 | CENTRO BENEFITS RESEARCH LLC 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 2.51% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362375 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $32 | $4K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $129 | $129 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MARSH AGENCY | 6 PPG PL #400 PITTSBURGH, PA 15222 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | $0 | $6K | 3.80% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E. GALBRAITH RD., SUITE 9000 CINCINATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | $0 | $3K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST., SUITE 1200 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $814 | $0 | $814 | 0.55% |
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 | 2,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,750 | $679K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,482 | $148K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,750 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.