| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | A MARSH MCLENNAN AGENCY LLC 100 FRONT STREET STE 800 WORCESTER, MA 01608 | DELTA DENTAL OF MASSACHUSETTS | $11K | $2K | $13K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $8K | $11K | 12.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.77% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $6K | 20.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $175 | $107 | $282 | 24.14% |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 451 | $246K |
| Vision | VISION SERVICE PLAN | 150 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $29K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.