| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 500 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $73K | $73K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 413 NORTH SHORE DRIVE SW KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 16.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.26% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.59% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 1450 N BROADWAY LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.41% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PLACE SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 25.65% |
| MARSH & MCLENNAN AGENCY LLC5 | 100 KIMBALL PL SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 21.23% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $119K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $119K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $29K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 150 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.