| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 6.60% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP | 5373 TRUXTUN AVENUE VENTURA, CA 93009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 6.67% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP | 5373 TRUXTUN AVENUE VENTURA, CA 93009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $18K | $55K | 6.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 MEDICAL FEES | Other services; Float revenue; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing Service code 12 | — | $914K |
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 | 538 | 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) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $842K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $842K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $842K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $842K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $842K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,181 | $919K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $842K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,181 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.