| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $3K | $26K | $29K | 27.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $20K | $23K | 26.61% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | $7K | $14K | 28.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNEN AGENCY LLF | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $6K | $12K | 29.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | PRINCIPAL LIFE INSURANCE COMPANY | $733 | $0 | $733 | 2.00% |
| AMERICAN COPRORATE BENEFITS IN3 | 124 SEVEN HILLS LAKE DR KENT LAKES, NY 10512 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $860 | $0 | $860 | 10.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $283 | $138 | $421 | 22.29% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $37K |
| Life insurance(3 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 330 | $130K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 122 | $51K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | 330 | $106K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 427 | $1.5M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 330 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.