| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $151K | $0 | $151K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 36TH FL 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FIRST UNUM LIFE INS CO | $6K | $0 | $6K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $203 | $0 | $203 | 15.04% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 506 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 506 | $4.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 506 | $4.2M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $98K |
| Long-term disability | FIRST UNUM LIFE INS CO | 220 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 506 | $4.2M |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.