| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 500 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $122K | $122K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 413 NORTH SHORE DRIVE SW KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 14.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 16.74% |
| MARSH & MCLENNAN AGENCY LLC5 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 27.66% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 19.42% |
| LAURA BETH KELLER3 | 445 MADISON POINT DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $406 | — | $406 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 17.09% |
| MARSH & MCLENNAN AGENCY LLC5 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 22.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, KY 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS/ADMIN | Claims processing; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $113K |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $174K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $174K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $65K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 256 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.