| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HIGHMARK INC. | $40K | $0 | $40K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $5K | $364 | $5K | 10.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $3K | $418 | $3K | 11.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $3K | $359 | $3K | 11.40% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 28.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $457 | $0 | $457 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $651 | $89 | $740 | 11.37% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 115 | $1.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 117 | $73K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 214 | $9K |
| Life insurance | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 138 | $51K |
| Short-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 59 | $26K |
| Long-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 137 | $29K |
| Prescription drug | HIGHMARK INC. | 115 | $1.6M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 136 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.