| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE | — | $83K | $83K | 2.52% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE | — | $82K | $82K | 2.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL | 23452 HWY 80 E STATESBORO, GA 30461 | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | $1K | $25K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $1K | $23K | 8.01% |
| MULTIPLE BROKERS (SEE APPENDIX)3 Filed as: MULTIPLE BROKERS SEE APPENDIX | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $39K | $151 | $39K | 26.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 7.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $772 | $2K | 7.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL, LLC | 4600 W CYPRESS ST STE 550 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICOMP BENEFITS FSA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | PO BOX 4319 COLUMBUS, GA 31914 | $6K |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 302 | $3.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 389 | $127K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $33K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 668 | $443K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 668 | $293K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 668 | $293K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 668 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.