| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | $102K | $0 | $102K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $0 | $4K | $4K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC4 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | GUARDIAN | $6K | $9K | $15K | 1.30% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $0 | $37K | $37K | 5.49% |
| CFA LLC3 | 1501 S CLINTON STREET BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | — | $20K | $20K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT LANE, 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
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 | 1,914 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 968 | $14.0M |
| Dental | GUARDIAN | 1,281 | $1.1M |
| Vision | GUARDIAN | 1,281 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 1,914 | $1.1M |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 1,914 | $2.3M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 1,914 | $1.1M |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 968 | $14.0M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 955 | $671K |
| Other | GUARDIAN | 1,281 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,914 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.