| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | GRANULAR INSURANCE COMPANY | $0 | $154K | $154K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTH OPTIONS | $59K | $0 | $59K | 5.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SELECTHEALTH | $20K | $0 | $20K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $285 | $9K | $9K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 3.13% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $16K | $32K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60K | $15K | $75K | 12.51% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE, INC. | PO BOX 9024048 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC. | $28K | $0 | $28K | 4.82% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY INC. | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $17K | $17K | 4.47% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $2K | $0 | $2K | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $10K | $49K | 12.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | $20K | $85K | 23.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $9K | $42K | 23.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $10K | $45K | 25.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $29K | $4K | $33K | 20.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $0 | $5K | 4.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.35% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $292 | $292 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $12K | 17.41% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE, INC. | PO BOX 9024048 SAN JUAN, PR 00902 | TRIPLE-S VIDA, INC. | $10K | $0 | $10K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $801 | $873 | $2K | 5.22% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 24.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SAFEGUARD HEALTH PLANS, INC. | $1K | $146 | $2K | 16.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HUMANA INSURANCE COMPANY | $898 | $0 | $898 | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $722 | $0 | $722 | 8.28% |
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 | 3,773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | HEALTH OPTIONS | 109 | $5.8M |
| Dental(7 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 4,806 | $3.4M |
| Vision(6 contracts, 6 carriers) | BLUE CARE NETWORK OF MICHIGAN | 4,806 | $2.5M |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,773 | $1.1M |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 537 | $302K |
| Long-term disability(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,691 | $797K |
| Prescription drug(11 contracts, 11 carriers) | HEALTH OPTIONS | 109 | $5.8M |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 3,068 | $3.1M |
| Other(9 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,806 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,806 | — |
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.