| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVE SUITE 400 SADDLEBROOK, NJ 07663 | MONY LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 16.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 300 W 10TH STREET WEST POINT, GA 31833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $215 | — | $215 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $88K |
| MARSH AND MCLENNAN AGENCY EIN 36-1436000 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $35K |
| CIGNA PPO EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $12K |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $50K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 143 | $88K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 143 | $88K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 143 | $88K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 143 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.