| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, MN 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | $80 | $65K | 10.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $80 | $11K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $897 | $0 | $897 | 3.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $715 | $0 | $715 | 2.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $82 | $82 | 0.30% |
| FRETZ, JAMES, ALAN3 | 148 CHIPPEWA TRAIL MEDFORD LAKES, NJ 08055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $430 | $0 | $430 | 2.66% |
| SHERMAN, DAVID, JAY3 | 1038 SCHMIDT LANE NORTH BRUNSWICK, NJ 08902 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 1.43% |
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 | 251 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $631K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $106K |
| Vision | VISION SERVICE PLAN | 166 | $29K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $44K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 56 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $28K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.