| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $143K | $143K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $921 | $921 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $707 | $0 | $707 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $269 | $269 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 24028 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $704 | $0 | $704 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $253 | $253 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGECNY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $414 | $0 | $414 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WANUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $159 | $159 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $163 | $163 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $259 | $0 | $259 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HIIL 15TH FL DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $96 | $96 | 0.53% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 295 | $2.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 206 | $179K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $32K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $56K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 295 | $2.8M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.