| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $13K | $54K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA BLVD, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $7K | $29K | 6.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $14K | $0 | $14K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY,LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $9K | $54K | 24.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $8K | $47K | 23.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $10K | $1K | $11K | 9.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $393 | $393 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | AETNA INTERNATIONAL | $10K | $0 | $10K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $928 | $4K | 6.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (JOHN HANCOCK USA) | $4K | $0 | $4K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $872 | $4K | 9.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON ST SUITE 600 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $77 | $319 | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $110 | $0 | $110 | 12.26% |
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 | 2,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 14 | $105K |
| Dental | AETNA LIFE INSURANCE COMPANY | 14 | $105K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,667 | $415K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $836K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,362 | $439K |
| Other(11 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,326 | $774K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,326 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.