| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3209 SOUTH CHEROKEE LANE SUITE 510 WOODSTOCK, GA 30188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $90K | $197K | $286K | 35.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 9.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $284 | $284 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $237 | $237 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. SUITE 100 JOHNS CREEK, GA 30097 | EYE MED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | EYE MED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $851 | — | $851 | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $210 | $210 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $103 | $103 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF FLORIDA INC | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF TEXAS INC | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH OF MISSOURI INC | $51 | — | $51 | 10.08% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 744831 ATLANTA, GA 30374 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC | $30 | — | $30 | 9.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMPLIFON HEARING HEALTHCARE EIN 85-0437037 | Participant communication; Named fiduciary; Contract Administrator; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation Service code 12 | FIFTH STREET TOWERS 150 SOUTH 5TH STREET SUITE 2300 MINNEAPOLIS, MN 55402 | $0 |
| FIT FOR LIFE EIN 38-3983812 | Other services; Named fiduciary; Claims processing; Non-monetary compensation; Float revenue; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | 833 W SOUTH BOULDER ROAD LOUISVILLE, CO 80027 | $0 |
| OMADA HEALTH, INC EIN 45-2355015 | Named fiduciary; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Other services; Participant communication; Contract Administrator Service code 12 | 500 SANSOME ST SUITE 200 SAN FRANCISCO, CA 94111 | $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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 356 | $817K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $176K |
| Vision | EYE MED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 395 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $68K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $22K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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 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.