| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST, STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $52K | $9K | $61K | 18.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE #15 DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.01% |
| ACRISURE LLC3 | 5411 SKYCENTER DR, SUITE 600 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $750 | $0 | $750 | 0.36% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES INC | 31274 SUGAR HILL LANE EVERGREEN, CO 80439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | $0 | $154 | 0.07% |
| THE CUMMING GROUP INC.3 Filed as: THE CUMMING GROUP INC | 11339 COUNTRYWAY BLVD TAMPA, FL 33626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| TRION GROUP, MMA LLC COMPANY3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $11K | $28K | 17.88% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 848315 DALLAS, TX 75284 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE #15 DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 14.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MMA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $886 | $886 | 0.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$3K | $0 | -$3K | -2.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $8K | $20K | 17.78% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 17.79% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
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 | 1,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,830 | $143K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,311 | $477K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,311 | $408K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,311 | $438K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,482 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,830 | — |
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.
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.