| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 14.91% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - SEE ATTACHED LIST | POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $22 | $1K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | EYEMED VISION CARE | $598 | — | $598 | 8.35% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 192 | $649K |
| Dental | AETNA LIFE INSURANCE CO. | 172 | $64K |
| Vision | EYEMED VISION CARE | 106 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 152 | $44K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $44K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 152 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.