| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94K | $25K | $119K | 12.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE, SUITE 400 FORT LAUDERDALE, FL 33334 | PETERSON INTERNATIONAL UNDERWRITERS | $36K | — | $36K | 28.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE | $1K | $0 | $1K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE | $154 | $2 | $156 | 0.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE | $6 | $127 | $133 | 0.46% |
| ANA MARIA LEON3 | 5000 SW 65 AVENUE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | — | $331 | 2.22% |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 1.94% |
| REUBEN WARNER ASSOCIATES, INC.3 | 300 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $750 | $610 | $1K | 10.06% |
| DENNIS C WONG3 Filed as: DENNIS C. WONG | PO BOX 26496 HONOLULU, HI 33134 | HARTFORD LIFE AND ACCIDENT | $39 | $0 | $39 | 0.29% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DAB LEGAL SHIELD | $822 | — | $822 | 6.24% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DAB LEGAL SHIELD | $517 | $0 | $517 | 3.92% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DAB LEGAL SHIELD | $506 | — | $506 | 3.84% |
| LYNDA BLANKENSHIP3 Filed as: LYNDA N. BLANKENSHIP | 1907 WASHINGTON AVENUE KNOXVILLE, TN 37917 | PRE-PAID LEGAL SERVICES INC DAB LEGAL SHIELD | $20 | $0 | $20 | 0.15% |
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 | 788 | 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) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 960 | $107K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 788 | $984K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 788 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 788 | $955K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 788 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.