| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $124K | $37K | $160K | 5.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 950 MAIN AVE STE 1600 CLEVELAND, OH 44134 | HM LIFE INSURANCE COMPANY | $49K | $0 | $49K | 15.00% |
| AON CONSULTING INC3 | 950 MAIN AVE STE 1600 CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.72% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.18% |
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 | 5,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 242 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 6,347 | $325K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,219 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,219 | $2.8M |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 231 | $281K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,219 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,347 | — |
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.