| 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 | HM LIFE INSURANCE COMPANY | $34K | — | $34K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPNAY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 5.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $3K | $22K | 17.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $184 | $1K | 17.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRION GROUP, A MMA LLC COMPANY EIN 26-3237576 ADMINISTRATOR | Claims processing Service code 12 | — | $160K |
| YORK BUILDING PRODUCTS CO., INC. EIN 23-1531886 PLAN ADMINISTRATOR | Contract Administrator Service code 13 | — | $58K |
| YORK HEALTH PLAN DBA S CEN PREF EIN 23-2664989 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $22K |
| BOYER & RITTER, CPAS EIN 23-1311005 PLAN AUDITOR | Accounting (including auditing) Service code 10 | — | $15K |
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 | 1,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 457 | $243K |
| Vision | VISION BENEFITS OF AMERICA | 429 | $51K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,234 | $188K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 647 | $150K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 647 | $114K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 979 | $374K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,234 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.