| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | BCS INSURANCE COMPANY | $43K | $61K | $104K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | $0 | $82K | 11.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AF | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $35K | $35K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $24K | $30K | 9.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 8.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $27K | $44K | 31.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 9.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AF | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.85% |
| RICHMOND AGENCY INC3 | 833 LAURENCE AVENUE JACKSON, MI 49202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $578 | $0 | $578 | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD LIFE INS CO OF NY | $1K | $0 | $1K | 12.00% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | $0 | $67 | 4.94% |
| RICHMOND AGENCY INC3 | 833 LAURENCE AVENUE JACKSON, MI 49202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 1.40% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.22% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 4.28% |
| RICHMOND AGENCY INC3 | PO BOX 907 JACKSON, MI 49204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $26 | $0 | $26 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD LIFE INS CO OF NY | $16 | $0 | $16 | 12.40% |
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 | 1,880 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,693 | $937K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,591 | $0 |
| Long-term disability(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,591 | $497K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,254 | $1.2M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,880 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,880 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.