| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $29K | $13K | $43K | 13.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $484 | $2K | 9.30% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $734 | — | $734 | 2.92% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST. SUITE 201 HAVRE DE GRACE, MD 21078 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 50.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC. | ONE PENN SQUARE W SUITE 2500 PHILADELPHIA, PA 19102 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 29.92% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM | P.O. BOX 7844 LANCASTER, PA 17604 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 7.42% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 272 | $307K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $25K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 272 | $328K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 272 | $307K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 272 | $307K |
| Other | HARTFORD LIFE AND ACCIDENT | 272 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.