| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PARK 80 W PLAZA 2 SADDLEBROOK, NJ 07663 | CIGNA | $60K | — | $60K | 12.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $12K | $2K | $14K | 17.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $7K | $1K | $8K | 17.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $3K | $377 | $3K | 16.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $2K | $346 | $3K | 17.36% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 12748 | LINCOLN NATIONAL LIFE INS CO | $2K | $151 | $2K | 21.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $2K | $123 | $2K | 21.55% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 12748 | LINCOLN NATIONAL LIFE INS CO | $1K | $196 | $2K | 22.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INS CO | $289 | $29 | $318 | 16.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE CASON GROUP NONE | Insurance agents and brokers Service code 22 | 1612 MARION ST, 4TH FL COLUMBIA, SC 29201 | $25K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator Service code 13 | PO BOX 182223 CHATTANOOGA, TN 374227223 | $11K |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 143 | $479K |
| Dental | CIGNA | 143 | $479K |
| Vision | CIGNA | 143 | $479K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INS CO | 186 | $36K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INS CO | 105 | $90K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 74 | $46K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INS CO | 186 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.