| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $563K | $172K | $736K | 4.88% |
| 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 | $396K | $26K | $422K | 16.55% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63K | $63K | 2.45% |
| 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 | $307K | $21K | $328K | 16.40% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49K | $49K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $135K | $29K | $164K | 8.51% |
| 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 | $178K | $14K | $193K | 13.97% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34K | $34K | 2.48% |
| ATLAS INSURANCE AGENCY, INC.3 Filed as: ATLAS INSURANCE AGENCY | 1132 BISHOP STREET SUITE 1600 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $5K | — | $5K | 4.15% |
| ATLAS INSURANCE AGENCY, INC.3 | 1132 BISHOP STREET SUITE 1600 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $252 | — | $252 | 3.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $8.5M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.2M |
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 | 34,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,133 | $6.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 23,922 | $12.6M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 21,754 | $3.2M |
| Life insurance(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 32,361 | $17.0M |
| Short-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 32,361 | $17.0M |
| Long-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 32,361 | $17.0M |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 85 | $874K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 32,361 | $22.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,361 | — |
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.
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.