| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $23K | — | $23K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 20.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AL 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 22.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DRIVE SUITE 100 BLDG I DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORP. | $411 | — | $411 | 11.46% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 138 | $867K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 64 | $4K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 138 | $867K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $68K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.