| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $399K | — | $399K | 4.51% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81K | — | $81K | 14.95% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 3.55% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A INTEGRO IB | — | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.56% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO | PO BOX 5682 CAROL STREAM, IL 60197 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58 | — | $58 | 1.38% |
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 | 16,829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 336 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | GEISINGER QUALITY OPTIONS | 749 | $16.7M |
| Dental | HMSA | 27 | $132K |
| Vision | VISION SERVICE PLAN | 15,715 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 20,248 | $8.9M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 10 | $4K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 20,248 | $8.9M |
| Prescription drug | TRIPLE-S SALUD, INC. | 30 | $372K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,165 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,248 | — |
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.