| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $160K | — | $160K | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $111K | — | $111K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78K | — | $78K | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL. STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | — | $52K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W. 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92K | — | $92K | 25.01% |
| CHERYL DAGATA DBA CAD & JAD CONSULT4 | 130 PROMINENCE POINT PARKWAY SUITE 130-339 CANTON, GA 30114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | — | $10K | 10.83% |
| TOM EATON4 | 2934 KELLOGG CREEK RD. ACWORTH, GA 30102 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $3.1M |
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 | 4,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 7,648 | $0 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8,853 | $1.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,409 | $855K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,655 | $1.7M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 4,225 | $3.5M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15,000 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,000 | — |
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.