| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST, FL 14 LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $74K | $82K | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $27K | $30K | 1.40% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST, FL 14 LITTLE ROCK, AR 72201 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $33 | $11K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $884 | $884 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.02% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST, FL 14 LITTLE ROCK, AR 72201 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.56% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $694 | $3K | 9.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $33 | $2K | 7.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $151 | $151 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.02% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INS LLC | 111 CENTER ST, FL 14 LITTLE ROCK, AR 72201 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $406 | $2K | 9.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $33 | $2K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.42% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS. AGCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.01% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $199K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $199K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $199K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.