| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $142K | $7K | $148K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $29K | $7K | $35K | 12.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $912 | $14K | 8.93% |
| MJ INSURANCE3 Filed as: MELINDA SWARTLEY AND VARIOUS AGENTS | 202 PACER LANE COLLEGEVILLE, PA 19426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 5.38% |
| ROBERT JAY WEINER3 | 117 WEST 96TH STREET NEW YORK, NY 10025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $460 | $4K | $4K | 2.81% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $362 | $3K | 1.92% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.54% |
| SPENCER BARRETT3 Filed as: SPENCER M. BROAD | 16 PANORANA COURT MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $420 | $2K | 1.34% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 598 | $3.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 528 | $183K |
| Vision | INDEPENDENCE BLUE CROSS | 598 | $3.4M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 475 | $273K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 475 | $273K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 475 | $273K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 598 | $3.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 475 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.