| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HIGHMARK WEST VIRGINIA | $312K | — | $312K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | $73K | $18K | $91K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $14K | $49K | 6.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $3K | — | $3K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $652 | $12K | 15.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| DONALD J BOOTH3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $265 | — | $265 | 0.34% |
| EDWARD G JACHELSKI3 | FINANCIAL SOLUTIONS GROUP INC 47 GREY MOSS RD MURRELLS INLET, SC 29576 | METROPOLITAN LIFE INSURANCE COMPANY | $122 | — | $122 | 0.16% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS AND | FINANCIAL SERV 7001 HERITAGE VILLAGE PLAZA STE 100 GAINESVILLE, VA 20155 | METROPOLITAN LIFE INSURANCE COMPANY | $89 | — | $89 | 0.12% |
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 | 1,392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 1,205 | $11.1M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,767 | $896K |
| Vision | VISION SERVICE PLAN | 993 | $154K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,392 | $825K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,392 | $825K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,392 | $825K |
| Prescription drug | HIGHMARK WEST VIRGINIA | 1,205 | $11.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,392 | $902K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,767 | — |
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."
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.