| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PL NW HUNTSVILLE, AL 358062300 | AMERITAS LIFE INSURANCE CORP | $18K | — | $18K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORP | — | $5K | $5K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635832 | AMERITAS LIFE INSURANCE CORP | — | $261 | $261 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 6087 HUNTSVILLE, AL 35824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 15.51% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 377 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 263 | $119K |
| Vision | AMERITAS LIFE INSURANCE CORP | 263 | $119K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 377 | $1.1M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 377 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.