| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN- J SMITH | 1610 S CHURCH STREET, STE. A MURFREESBORO, TN 37130 | HUMANA INSURANCE COMPANY | $40K | $0 | $40K | 4.99% |
| THE CASON GROUP INC3 | 1612 MARION ST. COLUMBIA, SC 29201 | HUMANA INSURANCE COMPANY | $11K | $0 | $11K | 1.38% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST. FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 10.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 31833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $2K | $11K | 9.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $34 | $6K | 9.20% |
| 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 | $807 | $807 | 1.18% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 93 | $804K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $68K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $115K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $115K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $115K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.