| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 10 INVERNESS CENTER PARKWAY STE 400 BIRMINGHAM, AL 35061 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 12.74% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES MACE BENEFITS GROUP, INC | 5775 A GLENRIDGE DR STE 175 ATLANTA, GA 30328 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $38 | $11K | 15.15% |
| 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 | — | $916 | $916 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC BS ALABAMA EIN 63-0103830 ADMIN | Claims processing Service code 12 | — | $163K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 BROKER | Insurance agents and brokers Service code 22 | — | $54K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $12K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 164 | $127K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 164 | $127K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $73K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $73K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $73K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 164 | $470K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
No prospect flags tripped on this filing.