| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 22.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | PO BOX 21367 BILLINGS, MT 59104 | $347K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 81889 LINCOLN, NE 685011889 | $52K |
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 | 1,007 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 2,073 | $273K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 1,146 | $311K |
| Long-term disability | CIGNA GROUP INSURANCE | 412 | $109K |
| Stop-loss / reinsurancereinsurance | HIIG UNDERWRITERS AGENCY, INC. | 2,030 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,073 | — |
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.