| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | — | $94K | 10.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $100K | $6K | $105K | 15.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DENTAL SERVICES OF MASSACHUSETTS INC | $13K | — | $13K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $579 | $27K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Non-monetary compensation; Float revenue; Participant communication; Named fiduciary; Direct payment from the plan; Contract Administrator; Other services Service code 12 | — | $1.4M |
| EVERNORTH CARE SOLUTIONS INC EIN 86-1465626 ADMINISTER EAP | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $31K |
| CIGNA | Named fiduciary; Contract Administrator; Non-monetary compensation; Float revenue; Claims processing; Other services; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
| EVERNORTH CARE SOLUTIONS | Participant communication; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $0 |
| MARSH & MCLENNAN AGENCY LLC BROKER | Other commissions Service code 55 | — | $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 | 2,335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DENTAL SERVICES OF MASSACHUSETTS INC | 3,261 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,701 | $235K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,351 | $666K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,970 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,261 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.