| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $183K | $0 | $183K | 9.86% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 303273093 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3445 S DIXIE DRIVE SUITE 200 MORAINE, OH 454392329 | HUMANA INSURANCE COMPANY | $3K | $291 | $3K | 0.65% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10K | $10K | 4.00% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 4.00% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | DENTAL CARE PLUS INC | $2K | — | $2K | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | DENTAL CARE PLUS INC | $418 | — | $418 | 1.40% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $856 | $856 | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $911 | — | $911 | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 454392313 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | $163 | $429 | 5.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 2405 GRAND BLVD SUITE 900 KANSAS CITY, MO 64108 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $2K | — | $2K | 25.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330 | — | $330 | 10.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 454392313 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109 | $68 | $177 | 5.73% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $22 | — | $22 | 10.09% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $5 | $5 | 2.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $22K |
| CIGNA | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; 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 | 1,426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,426 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,426 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,426 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,426 | $248K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,426 | $132K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,426 | $174K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,426 | $1.9M |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,426 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,426 | — |
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.