| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE VIRGINIA, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $538K | — | $538K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156K | $156K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE VIRGINIA, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $428K | — | $428K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $145K | $145K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | CITY VIEW PLAZA, TORRE 1, SUITE 700 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $24K | — | $24K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $35K | — | $35K | 9.22% |
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 | 11,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 240 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 129 | $5.1M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 7,866 | $1.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,178 | $6.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,314 | $6.7M |
| Prescription drug | TRIPLE S SALUD, INC. | 90 | $485K |
| Other(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 1,548 | $865K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,178 | — |
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.