| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $2K | $23K | 13.69% |
| MARY K. JONES3 | 109 ROBIN ROAD SAVANNAH, GA 31419 | AFLAC | $4K | $95 | $4K | 6.50% |
| MJ INSURANCE3 Filed as: LISA MARIE MUSTO AND VARIOUS AGENTS | 3424 WEST COMMUNITY DRIVE JUPITER, FL 33458 | AFLAC | $2K | $22 | $2K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | AFLAC | $1K | $0 | $1K | 1.68% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 153 BLANDING BOULEVARD, SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $912 | $0 | $912 | 1.37% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $391 | $0 | $391 | 0.59% |
| MARIA A. HARPER3 | 2 TRAVERTINE CIRCLE SAVANNAH, GA 31419 | AFLAC | $369 | $22 | $391 | 0.59% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES H. WEISSBERGER | 54110 MICHELE LANE SHELBY TOWNSHIP, MI 48315 | AFLAC | $345 | $0 | $345 | 0.52% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.86% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $172K |
| Vision(2 contracts, 2 carriers) | AFLAC | 174 | $79K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $172K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $172K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $172K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
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.