| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | GREATER GEORGIA LIFE INSURANCE COMPANY | $73K | — | $73K | 15.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 6.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $23K | $1K | $24K | 63.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $14K | $1K | $15K | 50.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $10K | $786 | $11K | 47.16% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 20 WIGHT AVE STE 160 DIV 15 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 1.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3 RAVINA DR. STE 2100 ATLANTA, GA 30346 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.82% |
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 | 586 | 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) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 907 | $60K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 586 | $483K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 586 | $483K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 165 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.