| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $564K | $117K | $681K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $631K | $54K | $685K | 24.05% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $91K | $91K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $475K | $40K | $514K | 23.80% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $0 | $67K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $312K | $28K | $340K | 23.03% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $0 | $47K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $467 | $3K | 0.30% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $6K | $0 | $6K | 5.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $161 | $0 | $161 | 3.00% |
| ATLAS INSURANCE AGENCY, INC.3 | 201 MERCHANT ST, SUITE 1100 CITY FINANCIAL TOWER HONOLULU, HI 96813 | HAWAII DENTAL SERVICES | $52 | $0 | $52 | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $9.9M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
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 | 31,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 285 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,210 | $7.2M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 23,722 | $12.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 21,110 | $3.2M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,692 | $15.7M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,692 | $15.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,692 | $15.7M |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 65 | $690K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,692 | $22.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,692 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.