| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P. O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P. O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $13K | $17K | 7.41% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE CO | $5K | $0 | $5K | 8.32% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY - FARMINGTON CT | 333 W. 34TH STREET NEW YORK, NY 100012402 | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 6.21% |
| THE SEGAL COMPANY3 Filed as: SEGAL EASTERN STATES | P. O. BOX 4058 THE SEGAL GROUP CHURCH ST STATION NEW YORK, NY 10261 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 4.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO.-M&M AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $256 | $256 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $34 | $34 | 0.12% |
| THE SEGAL COMPANY3 Filed as: SEGAL EASTERN STATES | P. O. BOX 4058 NEW YORK, NY 10261 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $28 | $28 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P. O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $332 | $332 | 5.83% |
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 | 1,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 156 | $65K |
| Vision | EYEMED VISION CARE, FIDELITY SECURITY LIFE INSURANCE CO | 794 | $58K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,072 | $281K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $6K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 887 | $226K |
| Other(2 contracts, 2 carriers) | ALLONE HEALTH EAP LLC | 1,226 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,226 | — |
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."
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.