| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR SUITE #102 OMAHA, NE 68154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GEORG | PHIPPS TOWER SUITE #1100 ATLANTA, GA 30326 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC Filed as: NORTHWESTERN BENEFITS CORP OF GEORG | PHILLIPS TOWER SUITE #1100 ATLANTA, GA 30326 | EYEMED VISION CARE | $4K | — | $4K | 10.74% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 29 | $86K |
| Dental | AETNA LIFE INSURANCE COMPANY | 29 | $86K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 709 | $123K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $447K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $447K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $361K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 29 | $86K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.