| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCLENNAN AGENCY | 800 CONNECTICUT AVENUE NORWALK, CT 06854 | CIGNA | $12K | — | $12K | 6.02% |
| DIGITAL INSURANCE LLC7 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA | $1K | $1K | $3K | 1.41% |
| ROGERS BENEFIT GROUP INC7 Filed as: ROGERS BENEFITS GROUP | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | CIGNA | $0 | $2K | $2K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC7 Filed as: MARSH & MCCLENNAN AGENCY, LLC | PARK 80 WEST 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | GUARDIAN LIFE INSURANCE | $6K | $7K | $13K | 7.78% |
| DIGITAL INSURANCE LLC7 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM | $4K | $223 | $4K | 7.94% |
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 | 442 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA | 209 | $371K |
| Vision(2 contracts, 2 carriers) | CIGNA | 209 | $371K |
| Life insurance(2 contracts, 2 carriers) | CIGNA | 220 | $263K |
| Short-term disability | CIGNA | 0 | $207K |
| Long-term disability | CIGNA | 0 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.