| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ONE AMERICA | $4K | $3K | $6K | 13.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ONE AMERICA | $5K | $2K | $7K | 21.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | CONTINENTAL AMERICAN | $6K | — | $6K | 21.00% |
| BRUCE A VAN RYN3 Filed as: BRUCE VAN RYN | 3053 RIVERDALE DR SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN | $60 | — | $60 | 0.20% |
| TEDDY LEE EARLES3 Filed as: TEDDY EARLES | 394 TEAL CT ROSWELL, GA 30076 | CONTINENTAL AMERICAN | $17 | — | $17 | 0.06% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW, JR. | 368 WEST PIKE ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN | $17 | — | $17 | 0.06% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN | $13 | — | $13 | 0.04% |
| ERIC J CONDRON3 Filed as: ERIC CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN | $2 | — | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | AMERITAS | $2K | $659 | $2K | 14.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | AMERITAS | $1K | $469 | $2K | 18.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ONE AMERICA | $926 | $547 | $1K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREE, GA 30097 | ONE AMERICA | $1K | $392 | $1K | 20.59% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM | $685 | — | $685 | 11.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNUM | $228 | — | $228 | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ONE AMERICA | $646 | $219 | $865 | 20.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE CO OF NEW YORK | $168 | — | $168 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ONE AMERICA | $88 | $33 | $121 | 20.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $170K |
| AMERITAS EIN 47-0098400 ADMINISTRATOR HEALTH | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $1K |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 169 | $10K |
| Vision | AMERITAS | 323 | $15K |
| Life insurance | ONE AMERICA | 245 | $7K |
| Short-term disability | ONE AMERICA | 26 | $9K |
| Long-term disability | ONE AMERICA | 110 | $45K |
| Other(6 contracts, 4 carriers) | ONE AMERICA | 186 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.