| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $34 | $59K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $95K | $134K | $229K | 6.19% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $19K | $27K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $41 | $17K | 16.67% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $36 | $41 | $77 | 0.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATION, INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $6K | $6K | 15.00% |
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 | 7,773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 230 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,078 | $4.6M |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 10,758 | $594K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,077 | $6.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,792 | $903K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,077 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,758 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.