| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 870 S PLEASTANTBURG DR GREENVILLE, SC 29607 | CIGNA HEALTH AND LIFE INSURANCE CO | $29K | $0 | $29K | 12.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - SC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | DELTA DENTAL OF MISSOURI | $4K | $106 | $4K | 10.50% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS | 101 S. GARLAND AVE STE 203 ORLANDO, FL 32801 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $2K | $6K | 23.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $2K | $4K | 26.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $1K | $3K | 26.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $199 | $3K | 28.77% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | SUPERIOR VISION PLAN | $901 | — | $901 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE CO | $720 | $999 | $2K | 35.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Named fiduciary; Non-monetary compensation; Claims processing; Contract Administrator; Participant communication; Other services; Float revenue; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $10K |
| CIGNA | Other services; Float revenue; Named fiduciary; Non-monetary compensation; Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 82 | $227K |
| Dental | DELTA DENTAL OF MISSOURI | 106 | $39K |
| Vision | SUPERIOR VISION PLAN | 65 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 106 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 26 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 106 | $24K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 106 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.