| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | LIBERTY TOWER SUITE 500 605 CHESTNUT ST CHATTANOOGA, TN 37450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 13.47% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST 4TH FLOOR COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.44% |
| HAND, MICHAEL3 Filed as: HAND, MICHAEL,DENNIS | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $5K | — | $5K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $2K | — | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | LIBERTY TOWER SUITE 500 605 CHESTNUT ST CHATTANOOGA, TN 37450 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTHY, GA 30097 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | — | $968 | $968 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Contract Administrator; Participant communication; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | 6625 W 78TH ST 260 #280 MINNEAPOLIS, MN 55439 | $2K |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 58 | $259K |
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 184 | $102K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 184 | $102K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $68K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.