| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | AETNA LIFE INSURANCE | $0 | $10K | $10K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $322 | $7K | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 15.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | VSP VISION CARE | $953 | — | $953 | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $727 | $3K | 19.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $322 | $322 | 5.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $178 | $178 | 4.69% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE | 316 | $1.4M |
| Dental | AETNA LIFE INSURANCE | 316 | $1.4M |
| Vision | VSP VISION CARE | 116 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $63K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.