| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | EXCELLUS BLUE CROSS BLUE SHIELD | $85K | — | $85K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | COMPANION LIFE INSURANCE COMPANY | $16K | — | $16K | 8.23% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1607 N. AURORA RD. STE 201 NAPERVILLE, IL 30327 | COMPANION LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | $3K | $9K | 5.15% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $9K | $9K | 5.00% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 197 | $2.8M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY | 209 | $174K |
| Vision | SUN LIFE AND HEALTH INSURANCE COMPANY | 209 | $174K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 245 | $372K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 245 | $372K |
| Long-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 245 | $372K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 197 | $2.8M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 245 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.