| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | HM LIFE INSURANCE COMPANY | $98K | $0 | $98K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | AMERICAN FIDELITY ASSURANCE CO. | $85K | $0 | $85K | 7.58% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE CO. | $52K | $0 | $52K | 4.65% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE CO. | $4K | $9K | $13K | 1.17% |
| NJ CAR SERVICES, INC.3 Filed as: NJ CAR SERVICES INC. | 856 RIVER RD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE CO. | $1K | $0 | $1K | 0.12% |
| MODELL CONSULTING INC.3 | 3160 TREMONT AVE TREVOSE, PA 19053 | AMERICAN FIDELITY ASSURANCE CO. | $345 | $0 | $345 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN FIDELITY ASSURANCE CO. | $250 | $0 | $250 | 0.02% |
| PENNA. AUTO ASSOC. INS. AGENCY3 Filed as: PENNA. AUTO ASSOC. INS AGENCY | 1925 N FRONT STREET HARRISBURG, PA 17105 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $12K | $0 | $12K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $9K | $0 | $9K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $24K | $19K | $43K | 10.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $19K | $5K | $24K | 14.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 5.00% |
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 | 1,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 99 | $700K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,468 | $417K |
| Vision | VISION BENEFITS OF AMERICA | 807 | $46K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE CO. | 1,779 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE CO. | 1,779 | $1.3M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE CO. | 1,779 | $1.1M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 99 | $700K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 865 | $1.9M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE CO. | 1,779 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,779 | — |
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.