| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $38K | $0 | $38K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $2K | $42K | 15.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $2K | $41K | 15.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $1K | $33K | 15.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FL 15 DALLAS, TX 75231 | VSP | $10K | $0 | $10K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 3525 PIEDMONT RD, NE #205 ATLANTA, GA 30306 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $693 | $20K | 23.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 3525 PIEDMONT RD, NE #205 ATLANTA, GA 30306 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $719 | $19K | 23.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $683 | $12K | 15.87% |
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 | 1,085 | 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) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,340 | $379K |
| Vision | VSP | 585 | $99K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,037 | $286K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $272K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 345 | $259K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,037 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,340 | — |
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.