| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $4K | $36K | 16.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 5144 WALNUT HILL LN 16TH FL DALLAS, TX 75231 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $13K | — | $13K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $971 | $5K | 18.56% |
| SEE ATTACHED3 | SEE ATTACHED SEE ATTACHED DALLAS, TX 75231 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $9K | — | $9K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J. SMITH LANIER, A MARSH MCLENNAN EIN 26-3237576 NONE | Direct payment from the plan; Securities brokerage commissions and fees Service code 50 | — | $126K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Other services; Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $123K |
| ELAP SERVICES LLC EIN 27-1535521 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $25K |
| REVIVEHEALTH, INC EIN 86-1279290 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
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 | 650 | 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) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 451 | $139K |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 451 | $139K |
| Life insurance(2 contracts, 2 carriers) | STANDARD LIFE INSURANCE COMPANY | 22 | $956K |
| Short-term disability | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 451 | $139K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $27K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,033 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.