| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $2K | $37K | 5.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90K | $24K | $114K | 24.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $4K | $32K | 17.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY-TROY MI | 755 W BIG BEAVER RD STE 2300 TROY, MI 480842814 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $5K | $0 | $5K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $256 | $1K | 18.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $155 | $31 | $186 | 13.18% |
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 | 1,121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 873 | $705K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,415 | $102K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,121 | $459K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 572 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.