| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $164K | $14K | $177K | 25.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | AMERITAS LIFE INSURANCE CORP. | $16K | $2K | $18K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | $18K | $4K | $23K | 18.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PHLE AVE W PARK 80 PLAZA 2 STE 400 SADDLE BROOK, NJ 07663 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.29% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 439 | $707K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 594 | $165K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 594 | $165K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 401 | $123K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 401 | $123K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 401 | $123K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 439 | $707K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 401 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.