| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | INDEPENDENT HEALTH | $0 | — | $0 | 0.00% |
| GUY F. MORRISON Filed as: GUY F MORRISON | 5555 GLENRIDGE CONNECTOR, STE ATLANTA, GA 30342 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $891 | $104 | $995 | 16.75% |
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 | 959 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 1,575 | $10.0M |
| Vision | INDEPENDENT HEALTH | 1,575 | $10.0M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 946 | $360K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 946 | $360K |
| Prescription drug | INDEPENDENT HEALTH | 1,575 | $10.0M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 946 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,575 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.