| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | P.O. BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $1.1M | $140K | $1.2M | 18.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | P.O. BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $434K | $83K | $517K | 12.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | P.O. BOX 412703 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $356K | $68K | $424K | 12.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $10K | $10K | 1.70% |
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 | 1,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,501 | $30.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,501 | $13.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,501 | $13.5M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,603 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,501 | $15.9M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,501 | $28.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,501 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.