| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | GEISINGER QUALITY OPTIONS INC. | $46K | $50 | $46K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $679 | — | $679 | 8.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $498 | $37 | $535 | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138 | — | $138 | 16.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | — | $44 | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | — | $58 | 7.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4 | — | $4 | 5.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | DELTA DENTAL OF PENNSYLVANIA | $607 | — | $607 | — |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS INC. | 102 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 149 | $0 |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $840 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $756 |
| Prescription drug | GEISINGER QUALITY OPTIONS INC. | 102 | $1.4M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $874 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.