| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $0 | $16K | 3.03% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $5K | $14K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.86% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN - EAST GREENBUSH | 99 TROY RD. EAST GREEN BUSH, NY 12061 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W. BIG BEAVER RD., STE. 2300 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $616 | $0 | $616 | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.29% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $382 | $2K | 11.10% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67 | $23 | $90 | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85 | $0 | $85 | 6.13% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN - EAST GREENBUSH | 99 TROY RD. EAST GREEN BUSH, NY 12061 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21 | $0 | $21 | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15 | $0 | $15 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W. BIG BEAVER RD., STE. 2300 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11 | $0 | $11 | 1.18% |
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 | 1,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,808 | $86K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,297 | $520K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 500 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,808 | — |
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.
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.