| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1.5M | $4K | $1.5M | 29.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | SELECTHEALTH | $36K | — | $36K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $6K | $13K | $19K | 1.88% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS | $47K | — | $47K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $12K | $32K | 7.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $11K | $21K | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $11K | $29K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $612 | $5K | 8.34% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATIONS INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 17.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HORIZON HEALTHCARE OF NEW JERSEY, INC. | $2K | — | $2K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SIMNSA | $3K | — | $3K | 7.00% |
| HARDEN & ASSOCIATES3 | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 6.00% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $13 | $1K | 8.02% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $654 | $267 | $921 | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH AND MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $732 | — | $732 | 7.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $869 | $80 | $949 | 11.09% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN & ASSOCIATIONINC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $438 | — | $438 | 5.12% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $624 | — | $624 | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HUMANA INSURANCE COMPANY | $122 | — | $122 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS INC | $301 | — | $301 | 10.89% |
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 | 3,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,436 | $10.4M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,436 | $6.9M |
| Vision(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,436 | $6.2M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,740 | $831K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,273 | $457K |
| Prescription drug(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,436 | $10.4M |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,410 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,436 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.