| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3207 SOUTH CHEROKEE LANE SUITE 430 WOODSTOCK, GA 30188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $110K | — | $110K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 11330 LAKEFIELD DR, SUITE 100 JOHNS CREEK, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | A MARSH MCLENNAN AGENCY LLC CO. P.O. BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE SUITE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $749 | $749 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMIN SERVICE AGREEMENT | Contract Administrator; Claims processing; Participant communication; Named fiduciary; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services Service code 12 | 280 TRUMBULL STREET, 5 HARTFORD, CT 06152 | $13K |
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 | 499 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 499 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 499 | $3.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 967 | $50K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 499 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.