| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $5K | $108K | $114K | 7.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $25K | — | $25K | 2.37% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $16K | $16K | 1.50% |
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $49K | $28K | $77K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $72K | — | $72K | 8.76% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 400 CONVENTION ST SUITE 200 BATON ROUGE, LA 70802 | HEALTHNET | $7K | — | $7K | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES, INC. | 3800 N CENTRAL 9TH FLOOR PHOENIX, AZ 85012 | HEALTHNET | -$11K | — | -$11K | -1.89% |
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $34K | $20K | $54K | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 8.84% |
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $26K | $16K | $41K | 9.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 8.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 6.78% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 3198 LITTLE ROCK, AR 72203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $17K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 5.81% |
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 4.21% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 21.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.52% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 3900 COLONIAL CENTER PKY SUITE 200 ROSWELL, GA 30076 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES, INC. | 3800 N. CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | HUMANA INSURANCE COMPANY | $274 | — | $274 | 0.52% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 19.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC. | 3800 N. CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85286 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 9.39% |
| MORTENSON, ANDREA M3 | 16211 N SCOTTSDALE ROAD SUITE 273 SCOTTSDALE, AZ 85254 | KANAWHA INSURANCE COMPANY | $346 | — | $346 | 2.54% |
| RODRIGUEZ, PAULINE3 | 6600 S GRANITE DR CHANDLER, AZ 85249 | KANAWHA INSURANCE COMPANY | $281 | — | $281 | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | KANAWHA INSURANCE COMPANY | $67 | — | $67 | 0.49% |
| FECHTER DONALD3 Filed as: FECHTER, DONALD J | 2450 S GILBERT ROAD SUITE 109 CHANDLER, AZ 85286 | KANAWHA INSURANCE COMPANY | — | $47 | $47 | 0.35% |
| RODRIGUEZ, CINDY L3 | 1379 S JOSHUA TREE LN GILBERT, AZ 85296 | KANAWHA INSURANCE COMPANY | $22 | — | $22 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | OF GA, ATLANTA PO BOX 905260 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $41 | $3K | 24.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 116 HUNTINGTON AVE 10TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | $3 | $494 | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HUMANADENTAL INSURANCE COMPANY | $560 | — | $560 | 4.88% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 300 COLONIAL CENTERS PKY SUITE 200 ROSWELL, GA 30076 | HUMANADENTAL INSURANCE COMPANY | $212 | — | $212 | 1.85% |
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 |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 131 | $1.7M |
| Dental(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 2,626 | $1.9M |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,572 | $320K |
| Life insurance(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 5,717 | $1.0M |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 5,707 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,362 | $823K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 131 | $1.7M |
| Other(5 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 829 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,717 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.