| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $43K | $8K | $51K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD, STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $33 | $9K | 8.68% |
| 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 | $986 | $986 | 0.90% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $252 | $252 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.03% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 28.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD, STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $715 | $33 | $748 | 13.37% |
| 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 | $12 | $12 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.04% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 35.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD, STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $568 | $33 | $601 | 15.64% |
| 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 | $11 | $11 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.03% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $786 | $0 | $786 | 38.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD, STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | $33 | $352 | 17.04% |
| 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 | $6 | $6 | 0.29% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 142 | $947K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $109K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $109K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $109K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.