| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $28K | $51K | 22.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 14.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $11K | $22K | 19.52% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 E 1ST STREET, STE 400 SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $39K | $0 | $39K | 46.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE SANTA ANA, CA 07663 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 20.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 17.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE, SUITE 100 BUILDING 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | $0 | $144 | $144 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RFJ, A MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 250 PEHLE AVE SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $32 | $32 | 0.31% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 223 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 463 | $214K |
| Vision | AETNA LIFE INSURANCE COMPANY | 463 | $214K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 729 | $226K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $115K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 215 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.