| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 565 5TH AVENUE 5TH FLOOR NEW YORK, NY 10017 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 2500 NORTHWINDS PKWY STE 370 ALPHARETTA, GA 300092247 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 9465 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $34 | $9K | 19.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 9465 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $34 | $8K | 19.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 9465 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $34 | $5K | 18.96% |
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 | 1,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA BLUE CROSS/BLUE SHIELD | 2 | $20K |
| Dental | HMSA BLUE CROSS/BLUE SHIELD | 2 | $20K |
| Vision | AMERITAS LIFE INSURANCE CORP | 2,065 | $166K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,072 | $1.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,072 | $1.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,072 | $1.2M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,072 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,065 | — |
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.