| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $38K | $38K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20K | $20K | 3.21% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 480 E. SWEDESFORD RD SUITE 130 WAYNE, PA 19087 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 5.13% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $370 | $7K | 2.82% |
| BIRCH BENEFITS LLC3 | 24 BRIAR RD WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 14.09% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | $930 | $1K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.06% |
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 | 2,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 1,165 | $83K |
| Dental | AETNA LIFE INSURANCE COMPANY | 155 | $31K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,960 | $202K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,053 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,230 | $628K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,654 | $2.8M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,053 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,960 | — |
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.