| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GRP A MARSH & MCLENNAN AGCY L | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | $0 | $33K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GRP A MARSH & MCLENNAN AGCY L | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 20.14% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.74% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $431 | $431 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | COMPANION LIFE | $3K | $5 | $3K | 10.06% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $451 | $3K | 17.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MULTIPLE - DETAIL UPON REQUEST | PO BOX 6 HAMBURG, NY 14075 | AFLAC | $925 | $0 | $925 | 14.59% |
| LS & ASSOCIATES INS CONSULTANTS INC Filed as: LS & ASSOCIATES - SOUTHHAVEN, MS | 1973 OAK TREE COVE HERNANDO, MS 38632 | EYEMED VISION | $1K | $0 | $1K | 19.60% |
| LS & ASSOCIATES INS CONSULTANTS INC Filed as: LS & ASSOCIATES - SOUTHHAVEN, MS | 1973 OAK TREE COVE HERNANDO, MS 38632 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 20.00% |
| ALLEN FINANCIAL GROUP, PA | PO BOX 13128 JACKSON, MS 39211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $679 | $0 | $679 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | $0 | $564 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $446 | $0 | $446 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $427 | $0 | $427 | 15.01% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $405 | $102 | $507 | 18.77% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | — | $186 | 11.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | $0 | $177 | 15.04% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | $32 | $206 | 17.79% |
| MULTIPLE - DETAIL UPON REQUEST | PO BOX 6 HAMBURG, NY 14075 | AFLAC | $93 | $0 | $93 | 9.41% |
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 | 972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 39 | $5K |
| Dental(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,134 | $8.3M |
| Vision(2 contracts) | EYEMED VISION | 1,794 | $53K |
| Life insurance(5 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 807 | $260K |
| Short-term disability(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 921 | $100K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 574 | $65K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,134 | $7.9M |
| Other(10 contracts, 5 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,134 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.