| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9850 NW 41ST ST STE 100 MIAMI, FL 331782986 | BLUE CROSS BLUE SHIELD OF FLORIDA | $125K | $0 | $125K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 401 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 7.79% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.97% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $817 | $817 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9850 NW 41ST ST STE 100 MIAMI, FL 331782986 | HEALTH OPTIONS, INC. | $2K | $0 | $2K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY NEW | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 12.00% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $86 | $86 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.69% |
| PAYOR, INC.3 | 4811 MONTGOMERY RAOD CINCINNATI, OH 45212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $442 | $442 | 6.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.14% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $375 | $375 | 6.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $709 | $0 | $709 | 16.57% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $236 | $236 | 5.52% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 136 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $140K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $59K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 136 | $2.2M |
| Other(5 contracts, 3 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 160 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.