| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL4 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $120K | $0 | $120K | 4.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL, A MARSH & MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $24K | $14K | $38K | 15.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $139 | $0 | $139 | 0.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 750 3RD AVE STE 1500 NEW YORK, NY 10017 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JW TERRILL A MARSH MCLENNAN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $586 | $0 | $586 | 0.37% |
| 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 | $191 | $191 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 765 | $158K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 398 | $246K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 398 | $246K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 398 | $246K |
| Other | HARTFORD LIFE AND ACCIDENT | 398 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.