| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155K | $13K | $168K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $5K | $63K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MASRH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | $7K | $102K | 33.83% |
| SEE ATTACHED3 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $3K | $26K | 24.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | PROVIDENT LIFE AND ACCIDENT LIFE INSURANCE COMPANY | $37K | $2K | $39K | 88.19% |
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 | 2,717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 162 | $650K |
| Vision | VISION SERVICE PLAN | 1,909 | $287K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,717 | $1.6M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 162 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,717 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 75 | $546K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,717 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,717 | — |
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.