| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET 200 GREENSBORO, NC 27455 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $184K | $3K | $188K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE SUITE 500 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $9K | $35K | 13.59% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LL | 3631 SOUTH HARBOR BOULEVARD SUITE 200 SANTA ANA, CA 92704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 10.00% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD SAINT LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.95% |
| BENEFIT COMPASS INSURANCE SERVICES3 Filed as: BENEFIT COMPASS INSURANCE SERV | 96 CORPORATE PARK SUITE 210 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$336 | — | -$336 | -0.95% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 24.85% |
| BENEFIT COMPASS INSURANCE SERVICES3 Filed as: BENEFIT COMPASS INSURANCE SERV | 96 CORPORATE PARK SUITE 210 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$84 | — | -$84 | -0.76% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 123 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $255K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $255K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 256 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $185K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.