| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 6.29% |
| JAMES G HAGENEY3 Filed as: JAMES G. HAGENEY | SUITE 350 610 W. GERMANTOWN AVE PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $7K | $32K | 19.73% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $889 | — | $889 | 0.54% |
| HEGENEY, JAMES, GERARD3 | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19482 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | $3K | $16K | 17.97% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $870 | $7K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 56.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $2K | — | $2K | 4.10% |
| HAGENEY, JAMES, GERARD3 | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $856 | $5K | 29.65% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $170 | — | $170 | 1.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $399 | — | $399 | 4.04% |
| JAMES G HAGENEY3 | 610 W GERMANTOWN AVE SUITE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 1.35% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | 1 W 1ST AVE SUITE 305 CONSHOHOCKEN, PA 19428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 1.35% |
| HAGENEY, JAMES, GERARD3 | SUITE 350 610 W GERMANTOWN AVE PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $533 | $2K | 26.33% |
| HAGENEY, JAMES, GERARD3 Filed as: HAGENEY, JAMES GERARD | 610 W GERMANTOWN 'AVE STE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND CASUALTY LIFE INSURANCE COMPANY | $1K | $261 | $2K | 28.40% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND CASUALTY LIFE INSURANCE COMPANY | $71 | — | $71 | 1.32% |
| HAGENEY, JAMES, GERARD3 | SUITE 350 610 W GERMANTOWN AVE PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $299 | $65 | $364 | 21.47% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC. | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $46 | — | $46 | 2.71% |
| HAGENEY, JAMES, GERARD3 | SUITE 350 610 W GERMANTOWN AVE PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $30 | $167 | 22.21% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC. | 90 MAIN ST. BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.46% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $40K |
| Vision | VISION SERVICE PLAN | 290 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $305K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $272K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $425K |
| Other(9 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.