| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $978 | $0 | $978 | 38.17% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $657 | $657 | 25.64% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | PO BOX 745836 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON ST., SUITE 1200 CONSHOHOCKEN, PA 19428 | EYEMED | $943 | $0 | $943 | 43.04% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $295 | $295 | 25.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $292 | $0 | $292 | 25.46% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | PO BOX 745836 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.26% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $267 | $267 | 27.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $265 | $0 | $265 | 27.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | PO BOX 745836 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.20% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 341 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 335 | $25K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 335 | $25K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 335 | $25K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 335 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.