| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | TRION GROUP, AN MMA PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $85K | $0 | $85K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | TRION GROUP, AN MMA PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $157K | $188K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $8K | $136K | 18.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $5K | $83K | 17.98% |
| MASH USA,INC.3 Filed as: MASH USA LLC | PO BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $8K | $10K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERES WATSON US LLC | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $4K | $61K | 18.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100 | $100 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $304 | $2K | 18.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMIN SERVICE | Claims processing; Insurance services; Direct payment from the plan Service code 12 | — | $214K |
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 | 12,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 338 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,342 | $2.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24,212 | $159K |
| Vision | EYEMED VISION CARE | 18,293 | $1.1M |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,176 | $8.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 17,862 | $9.9M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,176 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.