| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 6.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1031 W 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $37K | — | $37K | 16.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 6.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744833 ATLANTA, GA 30374 | VISION SERVICE PLAN | $3K | — | $3K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | HEALTHIESTYOU C/O TELADOC HEALTH INC. | $12K | — | $12K | 13.66% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | HEALTHIESTYOU C/O TELADOC HEALTH INC. | $10K | — | $10K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $525K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 300 W. 10TH ST. WEST POINT, GA 31833 | $153K |
| AMERICAN BENEFIT SERVICES LLC EIN 51-0489632 FSA ADMIN | Other fees; Other services; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $10K |
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 | 802 | 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) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,638 | $768K |
| Vision | VISION SERVICE PLAN | 806 | $154K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 802 | $546K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 677 | $199K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $78K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 775 | $1.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 802 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,638 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.