| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997603 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $74 | $40K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $16K | $30K | 2.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE, JAMES DUNCAN | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $89K | — | $89K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $5K | — | $5K | 1.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Direct payment from the plan; Named fiduciary; Float revenue; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | — | $1.3M |
| CIGNA | Float revenue; Claims processing; Investment management fees paid indirectly by plan; Contract Administrator; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Direct payment from the plan Service code 12 | — | $0 |
| MARSH & MCLENNAN AGENCY LLC BROKER | Other commissions Service code 55 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | $0 |
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 | 2,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,550 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,766 | $267K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,415 | $597K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,392 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,550 | — |
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.