| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $6K | $35K | 9.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 8.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSA, PA 19406 | AMERITAS LIFE INSURANCE COMPANY | $4K | $505 | $5K | 7.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY RD. MORRISTOWN, NJ 07960 | AMERITAS LIFE INSURANCE COMPANY | $925 | — | $925 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $7K | $9K | 15.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 7505 FORT WASHINGTON, PA 19034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $677 | — | $677 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $401 | $401 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $138 | $3K | 16.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 7505 FORT WASHINGTON, PA 19034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $919 | — | $919 | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $127 | $3K | 16.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 7505 FORT WASHINGTON, PA 19034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | — | $836 | 4.54% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE COMPANY | 750 | $61K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $364K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $94K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $126K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.