| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | LOCK BOX 419814 PO BOX 419814 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $832 | $29K | $30K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $3K | $0 | $3K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $420 | $3K | 15.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD PO BOX 419814 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $408 | $3K | 17.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $926 | $134 | $1K | 17.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 32.09% |
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 | 77 | 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) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $967K |
| Dental | DELTA DENTAL OF VIRGINIA | 196 | $68K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $967K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $19K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $967K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 71 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.