| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $23K | $0 | $23K | 2.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH MCLENNAN AGENCY LLC PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $7K | $0 | $7K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH MCLENNAN AGENCY LLC PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 25.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 30374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.35% |
| CHARLES O MCKEOWN3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $561 | $0 | $561 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA MCGRAW WENTWORTH 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $440 | $0 | $440 | 1.52% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | $0 | $238 | 0.82% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BNFTS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 30374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.21% |
| CHARLES O MCKEOWN3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $613 | $0 | $613 | 2.32% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $527 | $0 | $527 | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BNFTS LLC | 4564 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA MCGRAW WENTWORTH 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.12% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 23.24% |
| JANE TUNE4 | 719 CYNTHIA DR SANDWICH, IL 60548 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $914 | $0 | $914 | 3.71% |
| ANTHONY P PETRILL4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $59 | $0 | $59 | 0.24% |
| LORI ABRAMSON4 | 975 SHERBROOKE ST COMMERCE TOWNSHIP, MI 48382 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $46 | $0 | $46 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN UNKNOWN, NC 00000 | AETNA LIFE INSURANCE COMPANY | $227 | $0 | $227 | 1.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 30374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $659 | $0 | $659 | 7.66% |
| CWIBENEFITS INC3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MLENNAN AGENCY LLC | DBA MCGRAW WENTWORTH 755 W BIG BEAVER ROAD STE 2300 TROY, MI 48084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | $0 | $105 | 1.22% |
| CHARLES O MCKEOWN3 | PO BOX 6125 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALLTH & BNFTS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $15 | $15 | 0.17% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC | PO BOX 6608 GREENVILLE, SC 29606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $455 | $2K | 24.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $717 | $3K | 48.14% |
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 | 2,186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 7 | $43K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 7 | $43K |
| Vision(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,020 | $158K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,186 | $978K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 841 | $144K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,780 | $390K |
| Other(9 contracts, 6 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,221 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,186 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.