| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $912 | $137K | $138K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN MARSH & MCLENNAN AGENCY LLC | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN AGEN | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE, 4TH FLOOR FT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 8.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HUMANA INSURANCE COMPANY | $0 | $905 | $905 | 5.12% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEEK ROAD FT LAUDERDALE, FL 33309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 3.03% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 1.86% |
| GINA MARIE MARTINEZ3 | 2400 NE 36TH STREET, APARTMENT 7 LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.78% |
| THE CLARK GROUP OF SC3 | 898 ROPER ROAD LAURENS, SC 29360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.54% |
| CRAIG W SOTTILE & OTHER AGENTS3 | 3652 NE 19TH AVENUE FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.54% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN MIAMI, FL 33178 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.31% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 218 | $141K |
| Vision | HUMANA INSURANCE COMPANY | 184 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $141K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $141K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $141K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $2.3M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.