| 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 | — | $179K | $179K | 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 | $29K | — | $29K | 8.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $4K | $31K | 15.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 303275282 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $17K | 20.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 15.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 303275282 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $961 | $6K | 11.14% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $3K | — | $3K | 8.33% |
| 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 | $609 | — | $609 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 303275282 | UNUM INSURANCE COMPANY | $5K | $538 | $6K | 20.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM INSURANCE COMPANY | $3K | $435 | $4K | 20.74% |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 632 | $5.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 453 | $355K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 651 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $283K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $160K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $283K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $380K |
| 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.