| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM BLUE CROSS BLUE SHIELD | $30K | $840 | $31K | 10.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 31833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $775 | $625 | $1K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 | LIBERTY TOWER SUITE 500 605 CHESTNUT ST CHATTANOOGA, TN 37450 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP | — | $858 | $858 | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | LIBERTY TOWER SUITE 500 605 CHESTNUT ST CHATTANOOGA, TN 37450 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP | — | $839 | $839 | 2.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTIBENEFIT SERVICES EIN 36-4104766 BENEFIT SERVCE CO | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1003 S ALLANTE PL BOISE, ID 83709 | $33K |
| MARSH & MCLENNAN AGENCY LLC EIN 36-1436000 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $21K |
| CIGNA EIN 36-3403079 ADVISOR | Claims processing; Plan Administrator; Other services Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD HILLS, MI 48301 | -$10K |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORP | 213 | $92K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 213 | $92K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $61K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.