| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 161 WASHINGTON ST. SUITE 1200 CONSHOHOCKEN, PA 14676 | BCS INSURANCE COMPANY | $69K | $104K | $174K | 25.00% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BRIMINGHAM, AL 35244 | BCS INSURANCE COMPANY | — | $35K | $35K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35813 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $18K | $60K | 19.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PL NW HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORPORATION | $10K | — | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORPORATION | — | $960 | $960 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W. 10TH ST. WEST POINT, GA 35813 | VISION SERVICE PLAN | $3K | — | $3K | 9.85% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 499 | $104K |
| Vision | VISION SERVICE PLAN | 158 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $304K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $304K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $304K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 219 | $695K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
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.