| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 1200 CONSHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $82K | $82K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $604 | $7K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $4K | $19K | 14.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $951 | $951 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 14.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $625 | $625 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $12K | 14.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHCOKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $569 | $569 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 18.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHCOKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 19.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 11.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $265 | $265 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | FEDERAL INSURANCE COMPANY | $102 | $0 | $102 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $20 | $0 | $20 | 7.63% |
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 | 307 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $2.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $606K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 146 | $55K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 307 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $84K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $1.9M |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 311 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.