| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $130K | $130K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.53% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON CO LLC | 300 W. PLATT ST. #200 TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $820 | — | $820 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.54% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON CO LLC | 300 W. PLATT ST. #200 TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $624 | — | $624 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.02% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON CO LLC | 300 W. PLATT ST. #200 TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $362 | — | $362 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.33% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON CO LLC | 300 W. PLATT ST. #200 TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $229 | — | $229 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.90% |
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 | 581 | 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) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $3.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $175K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $34K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 581 | $101K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $15K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 581 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.