| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 SUITE 800 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $53 | $7K | 10.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $733 | $733 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $65 | $65 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $2K | $4K | 26.56% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE CO | — | $1K | $1K | 8.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $1K | $3K | 24.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE CO | — | $968 | $968 | 7.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $971 | $3K | 23.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE CO | — | $821 | $821 | 7.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORHTSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $682 | $2K | 22.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE CO | — | $675 | $675 | 7.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE CO | $848 | $437 | $1K | 30.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE CO | — | $337 | $337 | 7.95% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $631K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $71K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 122 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 23 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 15 | $13K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 122 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.