| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP, A MMA LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $1.1M | $66K | $1.1M | 19.53% |
| TRION GROUP, A MMA LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $593K | $37K | $630K | 19.52% |
| TRION GROUP, A MMA LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $415K | $26K | $441K | 19.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $17K | $17K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $8K | $8K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $503 | $503 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $308 | $308 | 1.56% |
| TRION GROUP, A MMA LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $35K | $103K | 6460.23% |
| TRION GROUP, A MMA LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $20K | $58K | 6887.89% |
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 | 6,272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,816 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26,933 | $25.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,232 | $10.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,232 | $11.2M |
| Life insurance(7 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 5,024 | $2.8M |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,232 | $14.0M |
| Other(9 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26,933 | $22.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,933 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.