| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 0.51% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 2.95% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | -$5K | $0 | -$5K | -2.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | PO BOX 8950 MADISON, WI 53708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 7.73% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS | 828 JOHN NOLEN DR MADISON, WI 53713 | WYSSTA INSURANCE COMPANY INC | $5K | $0 | $5K | 8.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | PO BOX 8950 MADISON, WI 53708 | LIFE INSURANCE COMPANY OF NORTH AMERICA. | $4K | $0 | $4K | 7.78% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | PO BOX 8950 MADISON, WI 53708 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | $0 | $409 | 7.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $646 | $0 | $646 | 17.01% |
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 | 2,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 338 | $3.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,440 | $258K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,223 | $923K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,223 | $862K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,223 | $907K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,223 | $871K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,223 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.