| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 9.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RISK STRATEGIES COMPANY (RSC) | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $12K | $2K | $14K | 11.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $1K | $292 | $2K | 11.82% |
| RESOURCE SEVEN3 Filed as: RESOURCE 7 INC | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | UNUM INSURANCE COMPANY | $189 | $0 | $189 | 1.28% |
| RESOURCE SEVEN3 Filed as: RESOURCE 7 INC | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 10.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $556 | $129 | $685 | 6.19% |
| RESOURCE SEVEN3 Filed as: RESOURCE 7 INC | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 13.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $359 | $71 | $430 | 4.57% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | GREATER GEORGIA LIFE INSURANCE COMPANY | $512 | $0 | $512 | 19.32% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 235 | $145K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 235 | $145K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 388 | $119K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 388 | $119K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 388 | $119K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 388 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.