| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 100874465 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $63K | $68K | 5.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.65% |
| 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% |
| JOSEPH J DERTHICK3 Filed as: JOSEPH DERTHICK | 15428 FLATBUSH AVE. NORWALK, CA 90650 | AFLAC | $191 | $0 | $191 | 2.40% |
| LEMUEL E FRANKS3 Filed as: LEMUEL FRANKS | 2812 GREENFIELD DR EDMOND, OK 73012 | AFLAC | $150 | $0 | $150 | 1.89% |
| PATRICIA GAIL LEES3 Filed as: PATRICIA LEES | 1124 CHURCHS CT BURBANK, CA 91501 | AFLAC | $140 | $0 | $140 | 1.76% |
| SETH JAFFE3 | 4127 E MASSACHUSETTS ST. LONG BEACH, CA 90814 | AFLAC | $86 | $0 | $86 | 1.08% |
| KATHLEEN S HANSON3 Filed as: KATHLEEN HANSON | 5460 E EL PARQUE ST. LONG BEACH, CA 90815 | AFLAC | $47 | $0 | $47 | 0.59% |
| DAVID REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $44 | $0 | $44 | 0.55% |
| DAVID PEPIN3 | 4176 STATE HIGHWAY, M35 ESCANABA, MI 49829 | AFLAC | $39 | $0 | $39 | 0.49% |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 17631 VENTURA BLVD #321 ENCINO, CA 91316 | AFLAC | $32 | $0 | $32 | 0.40% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 S DITMAR ST. OCEANSIDE, CA 92054 | AFLAC | $16 | $0 | $16 | 0.20% |
| RAVONE MARVELLE GRAHAM3 Filed as: RAVONE GRAHAM | 7601 ARCADIA TRL FORT WORTH, TX 76137 | AFLAC | $11 | $0 | $11 | 0.14% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 S WESTERN AVE, STE 200 TORRANCE, CA 90501 | AFLAC | $9 | $0 | $9 | 0.11% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 5061 MAGNOLIA GARDENS PL LEXINGTON, KY 40515 | AFLAC | $9 | $0 | $9 | 0.11% |
| TODD V MASON3 Filed as: TODD MASON | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $8 | $0 | $8 | 0.10% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 14747 N NORTHSIGHT BLVD STE. 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $6 | $0 | $6 | 0.08% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $6 | $0 | $6 | 0.08% |
| STEPHANIE WOOLEY3 | PO BOX 8127 BACLIFF, TX 77518 | AFLAC | $6 | $0 | $6 | 0.08% |
| CHAD HAINES3 | 108 WROXTON DR. CONROE, TX 77304 | AFLAC | $3 | $0 | $3 | 0.04% |
| BARRY MCPHERSON INC3 | 3928 IRONBARK WAY MCKINNEY, TX 75071 | AFLAC | $2 | $0 | $2 | 0.03% |
| JEFFREY C WEST3 Filed as: JEFFREY WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $2 | $0 | $2 | 0.03% |
| HAMMIE WARD III3 | 8907 SILVER YACHT DR HUMBLE, TX 77346 | AFLAC | $2 | $0 | $2 | 0.03% |
| OWEN JOHNSTON3 | 1300 FAIRHAVEN AVE, APT 3 SANTA ANA, CA 92705 | AFLAC | $1 | $0 | $1 | 0.01% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | 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 | $206 | $0 | $206 | 15.03% |
| LEMUEL E FRANKS3 Filed as: LEMUEL EDWARD FRANKS | 309 E KITTYHAWK DR MIDWEST CITY, OK 73110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 3.21% |
| TODD VICTOR MASON3 | 7447 MENDY STREET PARAMOUNT, CA 90723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.70% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH ANTHONY BUZZELLO | 9018 BALBOA BL, STE 254 NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.28% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.14% |
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 | 111 | 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) | 111 | 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 | 91 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $1.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $22K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 138 | $9K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.