| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | $132K | $198K | 27.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF LEE COUNTY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $584 | $584 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $838 | — | $838 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $2K | — | $2K | 8.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | CIGNA DENTAL HEALTH OF FLORIDA INC | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | CIGNA DENTAL HEALTH OF TEXAS | $503 | — | $503 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | CIGNA DENTAL HEALTH OF KANSAS | $159 | — | $159 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 402 WEST HAWTHORN STREET DALTON, GA 30720 | CIGNA DENTAL HEALTH OF MISSOURI INC | $106 | — | $106 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH EIN 33-0571188 | Float revenue; Participant communication; Named fiduciary; Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing Service code 12 | 10221 WATERIDGE CIR 201 SAN DIEGO, CA 92121 | $0 |
| AMPLIFON HEARING HEALTHCARE EIN 85-0437037 | Claims processing; Other services; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Float revenue; Contract Administrator; Participant communication Service code 12 | 150 SOUTH 5 STREET SUITE 2300 MINNEAPOLIS, MN 55402 | $0 |
| FIT FOR LIFE EIN 38-3983812 | Named fiduciary; Other services; Non-monetary compensation; Participant communication; Claims processing; Float revenue; Contract Administrator; Direct payment from the plan Service code 12 | 833 W SOUTH BOULDER RD LOUISVILLE, CO 80027 | $0 |
| SUMMIT HEALTH QUEST EIN 20-1908041 | Named fiduciary; Non-monetary compensation; Float revenue; Participant communication; Claims processing; Direct payment from the plan; Other services; Contract Administrator Service code 12 | 27175 HAGGERTY ROAD NOVI, MI 48377 | $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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $725K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $123K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 307 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 183 | $102K |
| Short-term disability | STANDARD INSURANCE COMPANY | 183 | $102K |
| Long-term disability | STANDARD INSURANCE COMPANY | 183 | $102K |
| Other(4 contracts, 4 carriers) | CIGNA DENTAL HEALTH OF FLORIDA INC | 11 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.