| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G HAGENEY3 Filed as: JAMES G. HAGENEY | 610 W GERMANTOWN AVE PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.58% |
| 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 | $2K | $2K | $4K | 1.37% |
| JAMES G HAGENEY3 Filed as: JAMES G. HAGENEY | SUITE 350 610 W. GERMANTOWN AVE PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $16K | $45K | 26.63% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $293 | $2K | 1.24% |
| JAMES G HAGENEY3 Filed as: JAMES G. HAGENEY | 610 W GERMANTOWN AVE SUITE 350 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.08% |
| 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 | $3K | $381 | $3K | 6.71% |
| THE MEGRO CORPORATION3 Filed as: THE MEGRO BENEFITS COMPANY | 1 W 1ST AVE SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $1K | — | $1K | 3.26% |
| 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 | $175 | — | $175 | 0.43% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $402 | — | $402 | 4.04% |
| JAMES G HAGENEY3 | 610 W GERMANTOWN AVE SUITE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 1.35% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | 1 W 1ST AVE SUITE 305 CONSHOHOCKEN, PA 19428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 1.35% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 275 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $312K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $274K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $433K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.