| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA Filed as: CIGNA HEALTH AND LIFE INSURANCE CO | PO BOX 188061 CHATTANOOGA, TN 37422 | CIGNA | — | $84K | $84K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC | 300 W 10TH STREET PO BOX 70 WEST POINT, GA 31833 | CIGNA | $0 | $77K | $77K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH STREET WEST POINT, GA 31833 | PRUDENTIAL | $25K | — | $25K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL | $12K | — | $12K | 7.08% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $66 | $66 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 16965 ATLANTA, GA 30321 | METROPOLITAN LIFE INS COMPANY | $4K | $58 | $4K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INS COMPANY | — | $3K | $3K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS & BLUE SHIELD OF GA | $2K | — | $2K | 8.37% |
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS & BLUE SHIELD OF GA | $211 | $110 | $321 | 1.23% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 139 | $1.7M |
| Dental | METROPOLITAN LIFE INS COMPANY | 155 | $123K |
| Life insurance | PRUDENTIAL | 158 | $169K |
| Short-term disability | PRUDENTIAL | 158 | $169K |
| Long-term disability | PRUDENTIAL | 158 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.