| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $122K | $138K | 8.24% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE STE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $24K | $27K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $5K | $31K | 8.79% |
| ACRISURE LLC3 | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $658 | $9K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $693 | $7K | 15.35% |
| ACRISURE LLC3 | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $544 | $27 | $571 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $312 | $5K | 20.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | CENTER 5909 PEACHTREE DUNWOODY RD, STE 800 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $455 | — | $455 | 1.99% |
| ACRISURE LLC3 | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 0.48% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 345 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 345 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 345 | $1.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $391K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $348K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.