| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE 4TH FLOOR FT LAUDERDALE, FL 33334 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $14K | — | $14K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE | $51K | $6K | $57K | 16.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $832 | $22K | 25.94% |
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 | 581 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 478 | $3.4M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 478 | $3.4M |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 478 | $3.4M |
| Life insurance(2 contracts) | GREATER GEORGIA LIFE INSURANCE | 581 | $350K |
| Short-term disability(2 contracts) | GREATER GEORGIA LIFE INSURANCE | 581 | $350K |
| Long-term disability(2 contracts) | GREATER GEORGIA LIFE INSURANCE | 581 | $350K |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE | 511 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.