| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 7.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $10K | $31K | 19.98% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $8K | $26K | 19.66% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $8K | $24K | 20.06% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 17.98% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 1116 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.28% |
| ADP INC3 Filed as: ADP, LLC | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $743 | $743 | 3.00% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE SUITE 2E MADISON, NJ 07940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $354 | $354 | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 19.83% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 1116 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.66% |
| ADP INC3 Filed as: ADP, LLC | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $724 | $724 | 3.00% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE SUITE 2E MADISON, NJ 07940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $333 | $333 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.34% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $732 | — | $732 | 4.45% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $494 | $494 | 3.00% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE. STE 2E MADISON, NJ 07940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $232 | $232 | 1.41% |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $317K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $317K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 666 | $120K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $133K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 664 | $156K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 666 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.