| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | PO BOX 70 WEST POINT, GA 31833 | EMPLOYEE BENEFIT MANAGMENT SERVICES | — | $92K | $92K | 22.01% |
| PROCARE PHARMACY BENEFIT MANAGER3 | 1267 PROFESSIONAL PARKWAY GAINESVILLE, GA 30507 | EMPLOYEE BENEFIT MANAGMENT SERVICES | — | $13K | $13K | 3.04% |
| TELEMEDICINE MGMT INC3 | 801 SPRINGDALE DRIVE EXTON, PA 19341 | EMPLOYEE BENEFIT MANAGMENT SERVICES | — | $8K | $8K | 1.83% |
| CLYDE PHILLIPS3 | 370 FAIRWAY CIRCLE MONROE, GA 30656 | SUNLIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 14.47% |
| JP CAPITAL & INSURANCE COMPANY3 Filed as: JP CAPITAL INSURANCE INC | 264 ALABAMA BLVD JACKSON, GA 30233 | SUNLIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6279 TRI RIDGE BLVD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.02% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYEE BENEFIT MANAGMENT SERVICES | 378 | $419K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 513 | $139K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 207 | $202K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 513 | $341K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 513 | $139K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 207 | $202K |
| Prescription drug | EMPLOYEE BENEFIT MANAGMENT SERVICES | 378 | $419K |
| Stop-loss / reinsurancereinsurance | EMPLOYEE BENEFIT MANAGMENT SERVICES | 378 | $419K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 513 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.