| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 1600 W 7TH ST STE 300 FORT WORTH, TX 761022506 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $256 | $39K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1600 W 7TH ST FORT WORTH, TX 76102 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | LOCKBOX 301598 DALLAS, TX 75303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | LOCKBOX 301598 DALLAS, TX 75303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $907 | — | $907 | 5.80% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS- SEE ATTACHED LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 22.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1600 W SEVENTH STREET SUITE 300 FORT WORTH, TX 761022505 | AMERITAS LIFE INSURANCE CORPORATION | $662 | — | $662 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $278 | — | $278 | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | LOCKBOX 301598 DALLAS, TX 75303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $194 | — | $194 | 6.16% |
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 | 106 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $804K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 169 | $36K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 52 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 106 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.