| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $63K | $68K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $76 | $76 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 100874465 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVE., APT. 106 ENCINO, CA 91316 | AFLAC | $621 | $17 | $638 | 6.18% |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BLVD STE. 210 COMMERCE, CA 90040 | AFLAC | $272 | $4 | $276 | 2.67% |
| LEMUEL E FRANKS3 | 2812 GREENFIELD DR EDMOND, OK 73012 | AFLAC | $218 | $0 | $218 | 2.11% |
| JOSEPH J DERTHICK3 | 15428 FLATBUSH AVE. NORWALK, CA 90650 | AFLAC | $178 | $0 | $178 | 1.72% |
| SETH JAFFE3 Filed as: SETH L JAFFE | 4127 E MASSACHUSETTS ST. LONG BEACH, CA 90814 | AFLAC | $114 | $0 | $114 | 1.10% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST. OCEANSIDE, CA 92054 | AFLAC | $107 | $4 | $111 | 1.08% |
| KATHLEEN S HANSON3 | 5460 E EL PARQUE ST. LONG BEACH, CA 90815 | AFLAC | $63 | $0 | $63 | 0.61% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $41 | $0 | $41 | 0.40% |
| STEPHANIE WOOLEY3 Filed as: STEPHANIE E WOOLEY | PO BOX 8127 BACLIFF, TX 77518 | AFLAC | $16 | $0 | $16 | 0.16% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $11 | $0 | $11 | 0.11% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE. 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $9 | $0 | $9 | 0.09% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD., STE. 204 NASHVILLE, TN 37215 | AFLAC | $9 | $0 | $9 | 0.09% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRL FORT WORTH, TX 76137 | AFLAC | $9 | $0 | $9 | 0.09% |
| CHAD HAINES3 Filed as: CHAD W HAINES | 108 WROXTON DR. CONROE, TX 77304 | AFLAC | $8 | $0 | $8 | 0.08% |
| HAMMIE WARD III3 | 9810 FM 1960 BYPASS RD W STE. 137 HUMBLE, TX 77338 | AFLAC | $6 | $0 | $6 | 0.06% |
| JEFFREY C WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $5 | $0 | $5 | 0.05% |
| KIM REED SMITH3 | 7815 DEERWOOD LAKE DR. HUMBLE, TX 77346 | AFLAC | $1 | $0 | $1 | 0.01% |
| OWEN JOHNSTON3 | 1231 W 2ND ST SANTA ANA, CA 92703 | AFLAC | $1 | $0 | $1 | 0.01% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $1 | $0 | $1 | 0.01% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR., STE. 1150 IRVINE, CA 92612 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $167 | $0 | $167 | 14.98% |
No Schedule C service providers reported on this filing.
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $24K |
| Short-term disability | AFLAC | 12 | $10K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.