| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $24K | $24K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $4K | $4K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | SYMETRA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 21.39% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS AND BLUE SHIELD | 2444 WEST LAS PALMARITAS DRIVE PHOENIX, AZ 85021 | SYMETRA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $53 | $53 | 0.05% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE, INC | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $53 | $53 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $92 | $4K | 15.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $5 | $5 | 0.02% |
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 | 1,223 | 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) | 1,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,581 | $580K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,581 | $653K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,196 | $590K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,196 | $590K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,196 | $590K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,265 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,581 | — |
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.