| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $57K | $57K | 9.43% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$71 | -$71 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISION AVE FL 7 NEW YORK, NY 100173724 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $8K | $0 | $8K | 10.00% |
| ACCRETIVE SPECIALTY INSURANCE3 | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.50% |
| ACCRETIVE SPECIALTY INSURANCE3 | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| ACCRETIVE SPECIALTY INSURANCE3 | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | TRUSTMARK INSURANCE COMPANY | $989 | $0 | $989 | 4.51% |
| ACCRETIVE SPECIALTY INSURANCE3 | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 40.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 17.41% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 88 | $600K |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 222 | $76K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 222 | $76K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 17 | $12K |
| Other(4 contracts) | TRUSTMARK INSURANCE COMPANY | 138 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.