| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $37K | $72K | 10.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $20K | $39K | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $14K | $0 | $14K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY,LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | MARSH MCLENNAN AGENCY LLC 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $11K | $34 | $11K | 15.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | A MARSH MCLENNAN AGENCY LLC 11330 LAKEFIELD DRIVE STE 100 BLDG JOHNS CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $1K | $1K | 1.72% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383 DEPT. 3383 DALLAS, TX 75312 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $134 | $134 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (JOHN HANCOCK USA) | $3K | $0 | $3K | 6.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $535 | $761 | $1K | 15.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BOSTONIAN GROUP INSURANCE AGENC | MARSH MCLENNAN AGENCY LLC 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | AETNA INTERNATIONAL | $10K | $0 | $10K | — |
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 | 2,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 12 | $92K |
| Dental | AETNA LIFE INSURANCE COMPANY | 12 | $92K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,645 | $433K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $700K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $386K |
| Other(8 contracts, 7 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $998K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,535 | — |
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.