| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 NW SUITE 800 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $165K | $165K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 8.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 303275282 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $40K | 17.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 303275282 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 303275282 | UNUM INSURANCE COMPANY | $8K | $858 | $9K | 20.06% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $4K | — | $4K | 9.98% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 508 | $4.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 338 | $316K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 651 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $233K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $233K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.