| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $157K | $157K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $106K | $106K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $7K | $10K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 7.90% |
| SEE ATTACHED3 | COLONIAL LIFE AND ACCIDENT INS CO PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $663 | $863 | 3.89% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 105 RIDGEFIELD PARK, NJ 07660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $344 | $0 | $344 | 1.67% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 105 RIDGEFIELD PARK, NJ 07660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $311 | $0 | $311 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $1K | $118 | $1K | 10.89% |
| MS BENEFITS3 | 100 CHALLENGER RD STE 105 RIDGEFIELD PARK, NJ 07660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $203 | $0 | $203 | 1.62% |
| SEE ATTACHED3 | THE PAUL REVERE LIFE INSURANCE COMP PO BOX 1365 COLUMBIA, SC 292021365 | THE PAUL REVERE LIFE INSURANCE COMPANY | $183 | $235 | $418 | 131.86% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $3.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $317K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $52K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 270 | $255K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 270 | $255K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 270 | $233K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $3.9M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 270 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.