| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | — | $81K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD, SUITE 635 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 3.28% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $16K | $54K | 6.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 3560 LENOX ROAD, SUITE 2400 ATLANTA, GA 30326 | HM LIFE INSURANCE COMPANY | $68K | — | $68K | 15.00% |
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 | 4,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,781 | $2.7M |
| Vision | HM LIFE INSURANCE COMPANY | 3,642 | $452K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,707 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,179 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,707 | — |
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.