| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | EMPLOYEE BENEFIT MANAGMENT SERVICES | — | $119K | $119K | 30.26% |
| REVIVEHEALTH3 | 5000 SAWGRASS VILLAGE CIRC PONTE VEDRA BEACH, FL 32082 | EMPLOYEE BENEFIT MANAGMENT SERVICES | — | $10K | $10K | 2.52% |
| CLYDE PHILLIPS3 | 1679 GEORGIA CLUB DR STATHAM, GA 30666 | SUNLIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 15.02% |
| JP CAPITAL & INSURANCE COMPANY3 Filed as: JP CAPITAL INSURANCE INC | 264 ALABAMA BLVD JACKSON, GA 30233 | SUNLIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE SUITE 400 SADLEBROOK, NJ 07663 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $22K | — | $22K | 12.27% |
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 | 334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYEE BENEFIT MANAGMENT SERVICES | 494 | $395K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 331 | $175K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 237 | $265K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 331 | $440K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 331 | $175K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 237 | $265K |
| Prescription drug | EMPLOYEE BENEFIT MANAGMENT SERVICES | 494 | $395K |
| Stop-loss / reinsurancereinsurance | EMPLOYEE BENEFIT MANAGMENT SERVICES | 494 | $395K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 237 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.