| 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 | $274K | $0 | $274K | 12.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: 0009K726MARSH & MCLENNAN AGENCY LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $46K | $46K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $11K | $59K | 6.96% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.02% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362375 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $96 | $96 | 0.01% |
| 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 | $11K | $0 | $11K | 16.67% |
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 | 2,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,966 | $855K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,862 | $67K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.3M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,724 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,966 | — |
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.