| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $523K | $266K | $789K | 12.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $333K | — | $333K | 19.57% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $387 | $387 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC4 | PO BOX 12748 ROANOKE, VA 24028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 12.00% |
| RUTH A ANDERSON4 | 331 SOUTH FAYETTEVILLE STREET CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTHCARE OF CALIFORNIA | $3K | $3K | $7K | 30.52% |
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 | 1,552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,801 | $6.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,801 | $6.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,801 | $6.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,224 | $1.7M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,224 | $1.7M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,224 | $1.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,801 | $6.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,224 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,801 | — |
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.