| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $68K | $78K | 3.22% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 1900 GRANT ST SUITE 650 DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $28K | $32K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC -MIAMI | 9850 NW 41ST ST STE 100 DORAL, FL 33178 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $71K | $82K | 5.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $8K | $31K | 19.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $611 | $0 | $611 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 14.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $647 | $0 | $647 | 1.57% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORISS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $770 | $9K | 25.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.66% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORISS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $37 | $2K | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $155 | $155 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.01% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORISS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $934 | $7K | 21.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.18% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORISS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 5.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $154 | $154 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 13.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $526 | $0 | $526 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | PO BOX 743903 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORISS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $855 | $7K | 23.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STE 100 MIAMI, FL 33178 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORISS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | -$33 | $2K | 5.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $143 | $143 | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.75% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 1900 N GRANT ST STE 650 DENVER, CO 80203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.25% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,231 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $2.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $155K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $22K |
| Other(8 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 721 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,231 | — |
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."
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.