| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. DBA TRION GROUP MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 12.14% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $62 | $62 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $10 | $10 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A. MARSH & MCLENNAN AGENCY LLC CO. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | VISION BENEFITS OF AMERICA | $903 | $0 | $903 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRION GROUP (MARSH & MCLENNAN) BROKER | Insurance agents and brokers Service code 22 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | $112K |
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $90K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $37K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 449 | $144K |
| Vision | VISION BENEFITS OF AMERICA | 263 | $18K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $135K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 253 | $463K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.