| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $51K | $59K | 2.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $27K | $31K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $847 | $26K | 15.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $214 | $7K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $230 | $7K | 15.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY HOUSTON, TX 77043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $55 | $2K | 15.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Float revenue; Claims processing; Contract Administrator; Non-monetary compensation; Direct payment from the plan; Other services; Participant communication; Named fiduciary Service code 12 | — | $7K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $2.7M |
| Vision | VISION SERVICE PLAN | 142 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $168K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $43K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.