| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE SUITE 100 ATLANTA, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $63K | $1K | $64K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 2500 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121 | $0 | $121 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINTE NORTH BLVD ALBANY, GA 31712 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $32K | $15K | $47K | 20.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 9.48% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.02% |
| GREGG BLANCHARD INS AGENCY INC3 | 11235 US HWY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $574 | $0 | $574 | 1.93% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 18.41% |
| GREGG BLANCHARD INS AGENCY INC3 | 11235 US HWY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $653 | $0 | $653 | 2.79% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.19% |
| GREGG BLANCHARD INS AGENCY INC3 | 11235 US HIGHWAY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.51% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.92% |
| GREGG BLANCHARD INS AGENCY INC3 | 11235 US HWY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | $0 | $374 | 1.76% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $1.2M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 326 | $224K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 326 | $247K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 326 | $224K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 326 | $224K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $1.2M |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 326 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.