| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | $26K | $89K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $19K | $66K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR #600 ATLANTA, GA 30342 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $32K | $0 | $32K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNNAN AGENCY | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.90% |
| EPIC3 | 2700 POST OAK BLVD., 25TH FLOOR HOUSTON, TX 77056 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3525 PIEDMONT RD NE #205 ATLANTA, GA 240283030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $7K | $61K | 28.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $4K | $33K | 28.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR #600 ATLANTA, GA 30342 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $37 | $0 | $37 | 9.97% |
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 | 2,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 417 | $559K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 4,900 | $485K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 4,657 | $348K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,927 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,726 | $863K |
| Other(3 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 417 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,900 | — |
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.