| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | SECURIAN LIFE INSURANCE COMPANY | $572K | $0 | $572K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | $0 | $85K | $85K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | SECURIAN LIFE INSURANCE | $195K | $0 | $195K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE | $0 | $29K | $29K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | SECURIAN LIFE INSURANCE COMPANY | $101K | $0 | $101K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLD KIBNG OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $32K | $138K | — |
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 | 17,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Other(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 15,282 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,282 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.