| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $34K | $34K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $0 | $10K | $10K | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1.1M |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | — | $91K |
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $47K |
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 | 1,353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | HEARTLAND | 2,580 | $165K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,306 | $864K |
| Short-term disability | INSURANCE ADMINISTRATOR OF AMERICA, INC. | 779 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,306 | $864K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,306 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,306 | — |
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."
No prospect flags tripped on this filing.