| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 70 WEST POINT, GA 318330070 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $113K | $167K | 28.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF LEE COUNTY | 206 EXCHANGE PLACE PO BOX 6087 HUNTSVILLE, AL 358240087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $197 | $197 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $14K | $664 | $15K | 16.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH EIN 33-0571188 | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | 10221 WATERIDGE CIRCLE, STE 201 SAN DIEGO, CA 92121 | $0 |
| CARECORE D/B/A/ EVICORE EIN 46-4861112 | Claims processing; Other services; Participant communication; Direct payment from the plan; Contract Administrator; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | 400 BUCKWALTER PLACE BLVD BLUFFON, SC 29910 | $0 |
| CARECORE NATIONAL LLC D/B/A EVICORE EIN 46-4861112 | Contract Administrator; Direct payment from the plan; Non-monetary compensation; Other services; Float revenue; Participant communication; Named fiduciary; Claims processing Service code 12 | 400 BUCKWALTER PLACE BLVD BLUFFON, SC 29910 | $0 |
| CIGNA HEALTHY REWARDS VENDORS EIN 85-0437037 | Named fiduciary; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | 5000 CHESHIRE PKWY N PLYMOUTH, MN 55446 | $0 |
| HEALTH SOLUTIONS (INTERACTIVE HEALT EIN 20-2810325 | Participant communication; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Direct payment from the plan; Non-monetary compensation Service code 12 | 11409 CRONHILL DRIVE, STE M OWINGS MILLS, MD 21117 | $0 |
| MEDSOLUTIONS D/B/A/ EVICORE. INC, EIN 20-5953092 | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Other services; Contract Administrator; Claims processing Service code 12 | 730 COOL SPRINGS BLVD, #800 FRANKLIN, TN 37067 | $0 |
| U.S. BANK NATIONAL ASSOCIATION, EIN 31-8841368 | Named fiduciary; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Other services; Participant communication; Contract Administrator Service code 12 | 800 NICHOLLET MALL MINNEAPOLIS, MN 55402 | $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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $583K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $93K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 242 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 137 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 137 | $88K |
| Long-term disability | STANDARD INSURANCE COMPANY | 137 | $88K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH HEALTH OF FLORIDA, INC | 6 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.