| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR NE SUITE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $13K | $106K | 12.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR NE SUITE 600 ATLANTA, GA 30342 | METHOD CARE, INC. | $20K | — | $20K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR NE SUITE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $852 | $12K | 20.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR NE SUITE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $490 | $6K | 20.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR NE SUITE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $460 | $6K | 20.99% |
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 | 812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METHOD CARE, INC. | 353 | $535K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $843K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $843K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $843K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $843K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $843K |
| Prescription drug | METHOD CARE, INC. | 129 | $475K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,377 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.