| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 3.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 669 RIVER DR #202 ELMWOOD, NJ 07407 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 1.57% |
| EMERSON REID LLC3 Filed as: EMERSON RODGERS LLC | 669 RIVER DR #202 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $536 | $0 | $536 | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | RELIANCE STANDARD | $6K | $0 | $6K | 12.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $1K | $2K | $3K | 6.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PR 19420 | RELIANCE STANDARD | $5K | $0 | $5K | 12.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $1K | $2K | $3K | 6.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | RELIANCE STANDARD | $4K | $0 | $4K | 12.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $947 | $1K | $2K | 6.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST CONSHOHOCKEN, PA 17428 | AETNA LIFE INSURANCE CO. | $593 | $0 | $593 | 7.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PARK | 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $152 | $0 | $152 | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | RELIANCE STANDARD | $963 | $0 | $963 | 12.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD | $216 | $211 | $427 | 5.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $27K |
| BROWN & BROWN PA EIN 20-0878127 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| TRION GROUP, A MARSH & MCLENNAN BROKER | Insurance agents and brokers Service code 22 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | $9K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 144 | $8K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 154 | $68K |
| Vision | AETNA LIFE INSURANCE CO. | 144 | $8K |
| Life insurance | RELIANCE STANDARD | 99 | $52K |
| Short-term disability | RELIANCE STANDARD | 99 | $35K |
| Long-term disability | RELIANCE STANDARD | 99 | $43K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 61 | $577K |
| Other(2 contracts) | RELIANCE STANDARD | 99 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.