| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 8605 EAST RAINTREE DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $155K | $13K | $167K | 26.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $11K | $37K | 19.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 8605 EAST RAINTREE DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.99% |
| MELIA COMMUNICATIONS4 | 901 NUTT STREET APARTMENT 118 WILMINGTON, NC 28401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $195 | — | $195 | 1.50% |
| L-K MARKETING GROUP, LLC4 | PO BOX 8072 WACO, TX 76714 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | — | $65 | 0.50% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $860K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $629K |
| Vision | VISION SERVICE PLAN | 302 | $32K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $189K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $189K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $189K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $860K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $837K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.