| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $168K | $181K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $937 | $23K | 15.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1000 CORPORATE DRIVE 4TH FLOOR FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HUMANA INSURANCE COMPANY | — | $373 | $373 | 1.85% |
| US BEN TEC WORKPLACE SOLUTIONS, LLC3 | 700 WEST HILLSBORO BOULEVARD BUILDING 2 DEERFIELD BEACH, FL 33441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $865 | $0 | $865 | 8.07% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $30 | $422 | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | UNKNOWN MIAMI, FL 33178 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $366 | $9 | $375 | 3.50% |
| BENEFITLAB INC3 Filed as: BENEFITLAB, INC. | 9647 SUGAR PINES COURT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $7 | $64 | 0.60% |
| GAVIN TOMA3 | 220 SOUTH KING STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $159 | $0 | $159 | 2.74% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY, LLC | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $349 | — | $349 | 7.03% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $171 | $0 | $171 | 3.44% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $151 | — | $151 | 3.04% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 306 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 306 | $3.0M |
| Vision | HUMANA INSURANCE COMPANY | 160 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $149K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $149K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $149K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 306 | $3.0M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
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.