| 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 | $63K | $63K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $0 | $50K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $15K | 13.00% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 13.00% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 13.00% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE1200 CONSHOHCOKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 11557 RICHMOND, VA 23230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $339 | $339 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHCOKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 18.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.02% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD DIVISION 4900 LIBBIE MILL E BLVD RICHMOND, VA 23230 | FEDERAL INSURANCE COMPANY | $102 | $0 | $102 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $151 | $0 | $151 | 5.76% |
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 | 322 | 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) | 323 | 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 | 180 | $2.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $651K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $557K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 597 | $142K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $67K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $1.5M |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 458 | $626K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.