| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACS BENEFIT SERVICES LLC5 | 8025 NORTH POINT BLVD SUITE 100 WINSTON SALEM, NC 27106 | HCC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLELLAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 240282748 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $74 | $10K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES LLC EIN 26-0529453 NONE | Claims processing; Contract Administrator Service code 12 | — | $100K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $49K |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $235K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $235K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 304 | $333K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
No prospect flags tripped on this filing.