| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 318331212 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $9K | 15.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 23.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 23.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 23.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 24.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $589 | $2K | 20.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $486 | $2K | 21.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $745 | $622 | $1K | 27.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $700 | $633 | $1K | 28.57% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 196 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $113K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $113K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $94K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $35K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $84K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 196 | $1.0M |
| Other(9 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 196 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.