| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $131K | $131K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR NE STE 600 ATLANTA, GA 30342 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$62 | -$62 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1560 SAWGRASS CORPORATE PARKWAY STE 240 SUNRISE, FL 33323 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$204 | -$204 | -0.01% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $33K | $66K | 12.03% |
| MARSH & MCLENNAN AGENCY LLC5 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | — | $39K | 7.16% |
| EA LEGACY LLC5 Filed as: EA LEGACY, LLC | 1724 E. 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 1.47% |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 362 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 362 | $2.2M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $550K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $550K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $550K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $550K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.