| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC / KING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $163K | $31K | $193K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC / KING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $69K | — | $69K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS SUITE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $28K | $6K | $34K | 10.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-WALNUT | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $393 | $6K | 8.68% |
| DON WIENING3 | 44 LILCHESTER ROAD HOPATCONG, NJ 07843 | FOUR EVER LIFE INS CO | $503 | — | $503 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL ADMINISTRATIVE SERVICES CORPO EIN 39-1561025 NONE | Contract Administrator Service code 13 | — | $11K |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,099 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,099 | $5.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $66K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 645 | $326K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 645 | $326K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 645 | $326K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,099 | $5.4M |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 649 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.