| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 12.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF MISSOURI | $12K | $229 | $12K | 10.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 340 S PINE STREET SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 19.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - NP8 | PO BOX 3543 PORTLAND, ME 04104 | COMPANION LIFE INSURANCE COMPANY | $522 | — | $522 | 10.10% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $253 | — | $253 | 4.89% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $193K |
| Dental | DELTA DENTAL OF MISSOURI | 322 | $116K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 116 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $51K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $193K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.