| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY- WALNUT HIL | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $66K | $0 | $66K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 22.82% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $256 | $0 | $256 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY DALLAS | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED | $863 | $0 | $863 | 8.28% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY NW SUITE 1-500 ATLANTA, GA 30327 | EYEMED | $94 | $0 | $94 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 33.75% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | $0 | $115 | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $851 | $1K | $2K | 33.51% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78 | $0 | $78 | 1.26% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.2M |
| Vision | EYEMED | 205 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.