| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $56K | $15K | $71K | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $630 | $630 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $641 | $641 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $311 | $311 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $185 | $185 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | MARSH MCLENNAN AGENCY LLCNE 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $559 | $0 | $559 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | A MARSH MCLENNAN AGENCY LLC 11330 LAKEFIELD DRIVE STE 100 BLVG JOHN CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $70 | $70 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $57 | $57 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | MARSH MCLENNAN AGENCY LLCNE 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN GENERAL INSURANCE COMPANY | $197 | $8 | $205 | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | A MARSH MCLENNAN AGENCY LLC 11330 LAKEFIELD DRIVE STE 100 BLVD1 JOHNS CREEK, GA 30097 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $24 | $24 | 1.22% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 355 | $2.3M |
| Vision | VISION SERVICE PLAN | 138 | $25K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $76K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 355 | $2.3M |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 182 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.