| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY-NY | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | UNITEDHEALTHCARE INSURANCE COMPANY | $216K | — | $216K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUTIE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $22K | — | $22K | 28.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUTIE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $17K | — | $17K | 28.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAH AGENCY LLC | 2929 ALLEN PARKWAY SUTIE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $14K | — | $14K | 27.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $28 | $2K | 10.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH STE 300 MINNEAPOLIS, MN 554281516 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $91 | $91 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $28 | $28 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $7 | $7 | 0.04% |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $5.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $5.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $5.3M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 650 | $77K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 616 | $51K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 108 | $61K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $5.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,270 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.