| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.53% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $29 | $29 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $285 | $7K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 206 EXCHANGE PLACE NORTHWEST HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 81 | $976K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $64K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 107 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $80K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $80K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $80K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 81 | $976K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 159 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.