| 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 | $335K | — | $335K | 2.78% |
| 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 | $76K | $19K | $94K | 11.16% |
| 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 | $30K | $9K | $39K | 6.74% |
| 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 | $4K | — | $4K | 2.03% |
| 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 | $2K | $9K | 6.43% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 20.79% |
| 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 | $5K | — | $5K | 6.29% |
| DONALD J BOOTH3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $67 | — | $67 | 0.08% |
| 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 | $45 | — | $45 | 0.05% |
| EDWARD G JACHELSKI3 | FINANCIAL SOLUTIONS GROUP INC 47 GREY MOSS RD MURRELLS INLET, SC 29576 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | INC 555 FAIRMOUNT AVE TOWSON, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $375 | — | $375 | 15.00% |
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 | 1,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 980 | $12.0M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,347 | $710K |
| Vision | VISION SERVICE PLAN | 1,007 | $201K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $846K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $846K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,383 | $846K |
| Prescription drug | HIGHMARK WEST VIRGINIA | 980 | $12.0M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF NORTH AMERICA | 1,392 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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.