| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1120 MADISON AVE TOLEDO, OH 43604 | CIGNA GROUP INSURANCE | $6K | — | $6K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | CIGNA GROUP INSURANCE | $2K | — | $2K | 2.48% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY DRIVE SUITE 375 ALPHARETTA, GA 30009 | CIGNA GROUP INSURANCE | $1K | — | $1K | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1120 MADISON AVE. TOLEDO, OH 43604 | CIGNA GROUP INSURANCE | $3K | — | $3K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | CIGNA GROUP INSURANCE | $2K | — | $2K | 3.04% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | CIGNA GROUP INSURANCE | $775 | — | $775 | 1.39% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 9.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 10.48% |
| KEVIN D GREGORY3 | 4496 GREENWOLD RD CLEVELAND, OH 44121 | RELIASTAR LIFE INSURANCE COMPANY | $678 | — | $678 | 5.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1120 MADISON AVE TOLEDO, OH 43604 | CIGNA GROUP INSURANCE | $238 | — | $238 | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 32889 GABEL ROAD BILLINGS, MT 59102 | CIGNA GROUP INSURANCE | $119 | — | $119 | 2.85% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | CIGNA GROUP INSURANCE | $60 | — | $60 | 1.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | CIGNA GROUP INSURANCE | $4K | — | $4K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | CIGNA GROUP INSURANCE | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES, INC EIN 81-0391256 ADMINISTRATION | Contract Administrator Service code 13 | — | $77K |
| AETNA PPO EIN 06-6033492 PPO | Other services Service code 49 | — | $29K |
| AETNA CASE MANAGEMENT EIN 06-6033492 CASE MANAGEMENT | Other fees Service code 99 | — | $10K |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA GROUP INSURANCE | 344 | $56K |
| Long-term disability | CIGNA GROUP INSURANCE | 344 | $92K |
| Prescription drug | GERBER LIFE INSURANCE COMPANY | 344 | $267K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 344 | $284K |
| Other(4 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 344 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.