| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $33K | $59K | 5.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $7K | $33K | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $14K | $23K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.28% |
| TONYA DEAN PETRILL4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 21.01% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 3.97% |
| JANE TUNE4 | 719 CYNTHIA DR SANDWICH, IL 60548 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $197 | $0 | $197 | 0.67% |
| LORI ABRAMSON4 | 7917 MAINSAIL LN SARASOTA, FL 34240 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $136 | $0 | $136 | 0.46% |
| ELSIE SMOLUK4 | 3119 DUCK POINT DR MONROE, NC 28110 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $108 | $0 | $108 | 0.37% |
| ANTHONY P PETRILL4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | $0 | $30 | 0.10% |
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 | 1,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 7 | $46K |
| Dental | AETNA LIFE INSURANCE COMPANY | 7 | $46K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,924 | $170K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,483 | $1.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,236 | $506K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,003 | $454K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,410 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,924 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.