| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $117K | $117K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ANTHEM INSURANCE COMPANY, INC. | $7K | — | $7K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ANTHEM INSURANCE COMPANIES, INC. | $897 | — | $897 | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $530 | — | $530 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA INTERNATIONAL | $300 | — | $300 | 30.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $3.8M |
| Dental | ANTHEM INSURANCE COMPANY, INC. | 207 | $178K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 180 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $45K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $65K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $31K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.