| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | QBE INSURANCE COMPANY | $111K | $55K | $166K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $25K | $0 | $25K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | $9K | $68K | 17.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43K | $5K | $49K | 16.85% |
| MICHAEL PATRICK MCDERMOTT3 | 1000 CONTINENTAL DR SUITE 430 KING OF PRUSSIA, PA 19406 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.61% |
| ANTHONY SPATICHIA3 | 2 BALA PLZ SUITE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $749 | $109 | $858 | 3.05% |
| HARRIS S. FISHMAN3 Filed as: HARRIS S FISHMAN | 1000 CONTINENTAL DR SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $305 | $0 | $305 | 1.08% |
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 | 746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,001 | $554K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 746 | $392K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 746 | $317K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE COMPANY | 1,085 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 746 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,085 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.