| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 6.17% |
| QUEST BENEFITS INC3 Filed as: QUEST BENEFIT DBA QUEST INSURANCE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 3.27% |
| QUEST BENEFITS INC3 | 4433 BROOKFIELD CORPORATE DRIVE SUITE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.19% |
| QUEST BENEFITS INC3 | 4433 BROOKFIELD CORPORATE DRIVE SUITE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.77% |
| QUEST BENEFITS INC3 | 4433 BROOKFIELD CORPORATE DRIVE SUITE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.62% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 2.99% |
| QUEST BENEFITS INC3 | 4433 BROOKFIELD CORPORATE DRIVE CHANTILLY, VA 20151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 2.51% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 1.44% |
| DENISE F BEAMAN3 | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $171 | — | $171 | 10.56% |
| THOMAS MICHAEL RIGNEY3 | 116 OCEAN BAY DRIVE JENSEN BEACH, FL 34957 | AFLAC | $49 | — | $49 | 3.02% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY ROAD NEW BERN, NC 28562 | AFLAC | $12 | — | $12 | 0.74% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $11 | — | $11 | 0.68% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $614K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $37K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $614K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.