| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 20 PHILADELPHIA, PA 191024826 | KAISER FOUNDATION HEALTH PLAN, INC. | $100K | — | $100K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $251K | — | $251K | 17.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $15K | $67K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | GRAHAM COMPANY ONE PENN SQ. WEST, FL. 25 PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $61K | — | $61K | 19.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12882 COLLECTIONS CENTER DR CHICAGO, IL 60693 | TRANSAMERICA LIFE INSURANCE COMPANY | $466 | — | $466 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 606731353 | TRANSAMERICA LIFE INSURANCE COMPANY | $205 | — | $205 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 233 S. WACKER DRIVE CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY, A MARSH & MCLENNAN | AGENCY ONE PENN SQUARE WEST, SUITE 2500 PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $44K | — | $44K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | — | $65K | 75.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $7K | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $132 | $132 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 16.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | — | $62K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $183 | $183 | — |
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 | 4,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 523 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,427 | $297K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 4,246 | $292K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,083 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,083 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,083 | $1.4M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,083 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,083 | — |
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.