| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE CO. | $56K | — | $56K | 3.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 3.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 28031 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $258 | — | $258 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 3.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $301 | — | $301 | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 3.63% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $208 | — | $208 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $400 | — | $400 | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 16.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $239 | — | $239 | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $367 | — | $367 | 8.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72 | — | $72 | 1.64% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AETNA LIFE INSURANCE CO. | 146 | $1.8M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $86K |
| Vision(3 contracts) | AETNA LIFE INSURANCE CO. | 31 | $386K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25 | $12K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.