| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTH OPTIONS | $70K | $0 | $70K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SELECTHEALTH | $22K | $0 | $22K | 2.30% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE INC | PO BOX 9024048 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | $41K | $0 | $41K | 5.05% |
| CGF INSURANCE LLC3 | CAPARRA OFFICE CENTER SUITE 200 GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71K | $21K | $92K | 12.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43K | $13K | $56K | 12.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $10K | $73K | 21.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $21K | $29K | 8.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $5K | $40K | 21.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $35K | $6K | $41K | 23.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $4K | $34K | 21.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $0 | $5K | 4.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $8K | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.64% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | -$825 | $0 | -$825 | -0.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $15K | 17.88% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE, INC. | PO BOX 9024048 SAN JUAN, PR 00902 | TRIPLE-S VIDA, INC. | $12K | $0 | $12K | 15.09% |
| INNOVA INSURANCE3 Filed as: INNOVA INSURANCE SERVICES INC | — | TRIPLE-S VIDA, INC. | $4K | $0 | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $903 | $1K | $2K | 5.38% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $956 | $7K | 31.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SAFEGUARD HEALTH PLANS, INC. | $1K | $149 | $1K | 17.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $312 | $0 | $312 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CHLIC FOR THE BENEFIT OF METLIFE | $6K | $0 | $6K | — |
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 | 4,446 | 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) | 4,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | HEALTH OPTIONS | 170 | $5.4M |
| Dental(6 contracts, 5 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,950 | $2.9M |
| Vision(6 contracts, 6 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,950 | $3.3M |
| Life insurance(5 contracts, 4 carriers) | MCS LIFE INSURANCE COMPANY | 4,446 | $2.1M |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 642 | $375K |
| Long-term disability(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,601 | $537K |
| Prescription drug(10 contracts, 10 carriers) | HEALTH OPTIONS | 170 | $5.4M |
| Other(11 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,950 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,950 | — |
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.