| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $288K | $52K | $339K | 20.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.79% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET MIAMI, FL 33178 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.50% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $3K | $0 | $3K | 7.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET MIAMI, FL 33178 | EXPRESS SCRIPTS, INC. | $522 | $0 | $522 | 1.46% |
| CHRISTOPH INC3 Filed as: CHRISTOPH, INC. | 2754 BOULTIER STREET, SUITE A MONTGOMERY, AL 36106 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | $0 | $402 | 3.65% |
| BO CLINTON COCHRAN3 | 117 CLINTON AVENUE EAST HUNTSVILLE, AL 35801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.25% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.20% |
| ALG ACQUISITIONS I LLC3 Filed as: ALG ACQUISITIONS | 2650 MCCORMICK DRIVE. SUITE 300A CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.19% |
| JOAN D DUCK3 Filed as: JOAN D. DUCK | 7828 DRY WILLOW WAY COLORADO SPRINGS, CO 80908 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.19% |
| DEBORAH O MOTES3 Filed as: DEBORAH O. MOTES | PO BOX 2593 SYLACAUGA, AL 35150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.19% |
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 | 1,976 | 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) | 1,976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 22 | $53K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,964 | $244K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,976 | $1.7M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,976 | $1.7M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,976 | $1.7M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 21 | $36K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,976 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,964 | — |
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.