| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL. STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL. STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 26.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. SUITE 100 JOHNS CREEK, GA 30097 | EYE MED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL. STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF TEXAS INC | $864 | — | $864 | 11.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF FLORIDA INC | $558 | — | $558 | 10.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC | $404 | — | $404 | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL OF VIRGINIA, INC. | $97 | — | $97 | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $41 | — | $41 | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL OF NORTH CAROLINA, INC. | $22 | — | $22 | 5.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 MEDICAL FEES | Other services; Contract Administrator; Named fiduciary; Participant communication; Claims processing; Non-monetary compensation; Float revenue; Direct payment from the plan Service code 12 | — | $297K |
| MARSH & MCLENNAN AGENCY BROKER | Other commissions Service code 55 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | $106K |
| CIGNA | Other services; Float revenue; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Claims processing; Participant communication; Contract Administrator Service code 12 | — | $0 |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 562 | $1.1M |
| Vision | EYE MED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 501 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 371 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $52K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 562 | $2.0M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 562 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.