| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $32 | $46K | 4.78% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | PO BOX 8004 SAVANNAH, GA 31412 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.19% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS | PO BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46 | $46 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $74K | — | $74K | 20.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $57K | — | $57K | 18.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | EYEMED VISION CARE | $7K | — | $7K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE RD NW STE 475 ATLANTA, GA 30305 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $626K |
| ELIXIR SOLUTIONS EIN 90-1011712 CLAIMS PROCESSING | Claims processing Service code 12 | — | $512K |
| LINCOLN LIFE ASSURANCE OF BOSTON EIN 04-6076039 ADMINISTRATIVE SERVICES | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $55K |
| PALMER & CAY EIN 27-2182440 BROKER | Other commissions Service code 55 | — | $55K |
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 | 1,396 | 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) | 1,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,621 | $965K |
| Vision | EYEMED VISION CARE | 2,005 | $133K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,654 | $369K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,630 | $301K |
| Stop-loss / reinsurancereinsurance | EXCESS RISK - IRONSHORE INDEMNITY | 1,414 | $1.8M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,626 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,621 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.