| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $115K | $9K | $124K | 3.79% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 820 N. ORLEANS #325 CHICAGO, IL 60610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $7K | $38K | 10.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 8.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH & MCLENNNAN AGCY | — | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 HAMILTON AVE, STE 930 WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $619 | $0 | $619 | 13.39% |
| ALAN ROMAN3 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $335 | $0 | $335 | 7.24% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 385 | $3.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 0 | $151K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 51,054 | $365K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 51,054 | $365K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 51,054 | $365K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 51,054 | $365K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 385 | $3.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 51,054 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,054 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.