| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 101 HUNTINGTON AVE STE401 BOSTON, MA 021997652 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $34 | $55K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 101 HUNTINGTON AVE BOSTON, MA 02199 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 101 HUNTINGTON AVE STE401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | $0 | $76K | 11.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $8K | $32K | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | 101 HUNTINGTON AVE STE401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $10K | $0 | $10K | 3.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA LIFE AND HEALTH INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Named fiduciary; Participant communication; Non-monetary compensation; Float revenue; Claims processing; Direct payment from the plan; Contract Administrator; Other services Service code 12 | — | $1.4M |
| CIGNA | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $0 |
| MARSH & MCLENNAN AGENCY LLC BROKER | Other commissions Service code 55 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $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 | 2,652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,640 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,839 | $259K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,728 | $672K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,454 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,640 | — |
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.