| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $8K | $28K | 10.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 N W 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $21K | 12.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PETERSEN INTERNATIONAL UNDERWRITERS | $16K | $0 | $16K | 28.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 5.19% |
| CAP STEWART4 | 5701 WALDEN WOODS CT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 7.93% |
| CROUSE COMPANY LLC4 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $841 | $0 | $841 | 5.23% |
| LYNDA BLANKENSHIP4 | 2442 WOODBINE AVE KNOXVILLE, TN 37917 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $214 | $0 | $214 | 1.33% |
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 | 617 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 155 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 617 | $260K |
| Short-term disability | PETERSEN INTERNATIONAL UNDERWRITERS | 39 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 557 | $163K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 766 | $611K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 617 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
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.