| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HCC LIFE INSURANCE COMPANY | — | $26K | $26K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $48K | — | $48K | 11.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $3K | $28K | 22.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE P.O. BOX 123042 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 27.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 22.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 22.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $950 | $12K | 21.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $984 | $10K | 22.22% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | — | $12K | $12K | 29.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | NATIONWIDE | — | $8K | $8K | 19.24% |
| STEVE MCBRIDE3 | 6300 FALLWATER TRAIL SUITE 120 THE COLONY, TX 75056 | NATIONWIDE | — | $2K | $2K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 21.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | NEW BENEFITS | $2K | — | $2K | 13.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $592 | — | $592 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $91 | — | $91 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $42 | — | $42 | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $23 | — | $23 | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA DENTAL OF OHIO, INC. | $4 | — | $4 | 9.52% |
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 | 1,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 60 | $124K |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,014 | $446K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 924 | $88K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,295 | $191K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $58K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $98K |
| Prescription drug | RXBENEFITS, INC. | 923 | $1.8M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 924 | $2.1M |
| Other(7 contracts, 6 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,295 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.