| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 301 CONGRESS, STE 1000 AUSTIN, TX 78701 | SYMETRA LIFE INSURANCE COMPANY | $70K | $18K | $88K | 11.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | TRANSAMERICA LIFE INSURANCE COMPANY | $58K | $0 | $58K | 42.38% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE BNFTS | 110 MAIN ST POUHGKEEPSIE, NY 12601 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.46% |
| LISA JO NEW AND ASSOCIATES INC3 Filed as: LISA JO NEW & ASSOCIATES INC | 2835 SCOTTISH MILL WAY MARIETTA, GA 30068 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.00% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 2121 NEWMARKET PARKWAY, STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $417 | $0 | $417 | 0.30% |
| PROSPECTIVE BENEFITSOLUTIONS INC3 | 191 PEACHTREE ST, STE 3300 ATLANTA, GA 30303 | TRANSAMERICA LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.07% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R SLADE SR | 1210 KINGS BOOK DR SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.07% |
| TONYA S LANCASTER3 | 2121 NEWMARKET PKWY SE STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $11K | $874 | $12K | 10.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 8.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | ESI GROUP | $3K | $0 | $3K | 14.47% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $1K | $1K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 301 COMMERCE STREET, SUITE 2201 FORT WORTH, TX 76102 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $812 | $0 | $812 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FOUR EVER LIFE INSURANCE COMPANY | $503 | $0 | $503 | 20.00% |
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 | 1,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 0 | $3K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 968 | $111K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,370 | $788K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,370 | $788K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,370 | $788K |
| Other(6 contracts, 6 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,370 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.