| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $35K | $35K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | — | $23K | 1.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | — | $22K | 1.36% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN, A MARSH & MCLENNAN AGENCY | 9850 NW 41ST ST, SUITE 100 MIAMI, FL 33178 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $36K | — | $36K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | — | $84K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PROGRESSIVE BENEFIT SLTNS LLC PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 3.52% |
| AON CONSULTING INC3 | THREE ALLIANCE CTR PO BOX 551343 MSC#17838 ATLANTA, GA 30355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 8.18% |
| AON CONSULTING INC3 | THREE ALLIANCE CTR PO BOX 551343 MSC#17838 ATLANTA, GA 30355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PROGRESSIVE BENEFIT SLTNS LLC PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | $6K | $65K | 16.25% |
| AON CONSULTING INC3 | 3550 LENOX RD NE STE 1700 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 6.69% |
| AON CONSULTING INC3 | THREE ALLIANCE CTR PO BOX 551343 MSC#17838 ATLANTA, GA 30355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 5.31% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $37K | $185 | $37K | 27.90% |
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 | 8,757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 298 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,840 | $4.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 8,776 | $973K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,043 | $2.8M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,683 | $2.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,045 | $1.9M |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,879 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,045 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.