| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | KEYSTONE HEALTH PLAN EAST | $82K | $820 | $83K | 5.24% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT LAUREL, NJ 08054 | KEYSTONE HEALTH PLAN EAST | $12K | — | $12K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $40K | $743 | $41K | 4.88% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $1K | — | $1K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA INSURANCE COMPANY | $13K | — | $13K | 9.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | — | UNITED CONCORDIA INSURANCE COMPANY | -$3K | — | -$3K | -2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $4K | $18K | 19.15% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIR SUITE 100 MOUNT LAUREL, NJ 08054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERIHEALTH INSURANCE COMPANY | $1K | $7 | $1K | 5.53% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 108 | $2.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 175 | $141K |
| Vision | INDEPENDENCE BLUE CROSS | 50 | $834K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $91K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $91K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $91K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 108 | $2.4M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 200 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.