| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPNAY OF CANADA | $180K | $102K | $282K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 744833 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPNAY OF CANADA | — | $25K | $25K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | DELTA DENTAL INSURANCE COMPANY | $114K | — | $114K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 206 EXCHANGE PL NW HUNTSVILLE, AL 35806 | AMERITAS LIFE INSURANCE CORP. | $25K | — | $25K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DR. STE 100 BUILDING 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | — | $6K | $6K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 300 WEST 10TH STREET WEST POINT, GA 31833 | ARAG INSURANCE COMPANY | $9K | — | $9K | 8.00% |
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 | 4,272 | 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) | 4,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,488 | $1.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 6,078 | $308K |
| Life insurance | SUN LIFE ASSURANCE COMPNAY OF CANADA | 3,487 | $2.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPNAY OF CANADA | 3,487 | $2.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPNAY OF CANADA | 3,487 | $2.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPNAY OF CANADA | 3,487 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,078 | — |
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.