| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD, A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW. SUITE 800 ATLANTA, GA 30327 | EXCELLUS BLUE CROSS BLUE SHIELD | $46K | — | $46K | 3.75% |
| SIMCO CAPITAL LTD3 Filed as: SIMCO CAPITAL LTD. | 2531 RT 332 CANANDAIGUA, NY 14424 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 9.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 6.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.53% |
| SIMCO CAPITAL LTD3 Filed as: SIMCO CAPITAL LTD. | 2531 ROCHESTER RD. CANANDAIGUA, NY 14424 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD, A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 6.63% |
| SIMCO CAPITAL LTD3 Filed as: SIMCO CAPITAL LTD. | 2531 RT 332 CANANDAIGUA, NY 14424 | EXCELLUS BLUE CROSS BLUE SHIELD | $880 | — | $880 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD, A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | VISION SERVICE PLAN | $1K | — | $1K | 5.34% |
| SIMCO CAPITAL LTD3 Filed as: SIMCO CAPITAL LTD. | 2531 ROCHESTER RD. CANANDAIGUA, NY 14424 | VISION SERVICE PLAN | $161 | — | $161 | 0.84% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 108 | $1.2M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $88K |
| Vision | VISION SERVICE PLAN | 85 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $131K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $131K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 108 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 155 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.