| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | $8K | $70K | $78K | 4.42% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7 PO BOX 340, SUITE 1 COBLESKILL, NY 12043 | UNIVERA HEALTHCARE | $22K | — | $22K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $67K | — | $67K | 44.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $126 | — | $126 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $825 | $4K | 7.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $979 | — | $979 | 10.05% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | 371 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | 198 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 161 | $10K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 371 | $151K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.