| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST. COLUMBIA, SC 29201 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $6K | $21K | 7.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 409 E MONUMENT AVE DAYTON, OH 45402 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $4K | $11K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 4.48% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.55% |
| ACRISURE LLC3 | 346 SHELBURNE RD., 5TH FL BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $877 | $0 | $877 | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $809 | $56 | $865 | 1.84% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $26 | $769 | 1.64% |
| ACCESS ENROLL3 | 33 LANDAU RD. PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.02% |
| ACRISURE LLC3 | 346 SHELBURNE RD., 5TH FL BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $923 | $0 | $923 | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $731 | $30 | $761 | 1.84% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $667 | $15 | $682 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $240 | $5K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $417 | $0 | $417 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST. DAYTON, OH 45402 | FIRST UNUM LIFE INS CO | $70 | $4 | $74 | 15.91% |
| ACRISURE LLC3 | 346 SHELBURNE RD., 5TH FL BURLINGTON, VT 05401 | FIRST UNUM LIFE INS CO | $26 | $5 | $31 | 6.67% |
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 | 425 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 365 | $281K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 365 | $281K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $330K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 142 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $251K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 337 | $758K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.