| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 150 S WARNER RD STE 460 KING OF PRUSSIA, PA 194062843 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $26 | $3K | 13.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 6.53% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $250 | $250 | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $245 | $245 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $360 | $2K | 12.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 125 E ELM STE 210 CONSHOHOKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | — | $294 | 4.66% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 125 E ELM STE 210 CONSSHOHOKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 4.33% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $92 | $253 | 4.01% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $8 | $129 | 2.05% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1028 FREEDOM STREET LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $25 | $98 | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 1.35% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.40% |
| JOHN E LANZETTA3 | 3272 KATIE WAY MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PENNSYLVANIA | 125 ELM EAST STREET SUITE 210 CONSHOHOCKEN, PA 19428 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $98 | — | $98 | 6.49% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 130 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $7K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $27K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $25K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.