| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 24.10% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST. SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 22.07% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH ST. SUITE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 21.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST. GREENSBORO, NC 27455 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $373 | $107 | $480 | 3.46% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $953 | $953 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION (MARSH & MCLENNAN INSURANCE) | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | FEDERAL INSURANCE COMPANY | $715 | — | $715 | 15.01% |
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 | 918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | EYEMED VISION ON BEHALF OF FIDELITY SEC LIFE INS. COMPANY OF NEW YORK | 1,499 | $67K |
| Life insurance | ELIPS LIFE INSURANCE COMPANY | 918 | $310K |
| Short-term disability | ELIPS LIFE INSURANCE COMPANY | 918 | $72K |
| Long-term disability | ELIPS LIFE INSURANCE COMPANY | 918 | $107K |
| Other(5 contracts, 4 carriers) | ELIPS LIFE INSURANCE COMPANY | 980 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.