| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE, STE 400 ANCHORAGE, AK 99501 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $38 | $47K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE, STE 400 ANCHORAGE, AK 99501 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $33 | $13K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $213 | $213 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.99% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 905 | $426K |
| Vision | VISION SERVICE PLAN | 482 | $52K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $608K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $608K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $608K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.