| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR NE STE 600 ATLANTA, GA 30342 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 303273093 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR NE STE 600 ATLANTA, GA 30342 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $1K | $10K | 11.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $1K | $13K | 15.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 4.93% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 66 | $1.0M |
| Dental(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $170K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $86K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $84K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $84K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $84K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.