| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP, INC.3 Filed as: TRION GROUP INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HIGHMARK BLUE SHIELD | $158K | — | $158K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 14750 PALMETTO FRONTAGE RD, STE 120 MIAMI LAKES, FL 33016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $9K | $23K | 8.81% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.90% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 551 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 307 | $262K |
| Vision | HIGHMARK BLUE SHIELD | 551 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 307 | $263K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 307 | $262K |
| Prescription drug | HIGHMARK BLUE SHIELD | 551 | $4.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 307 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.