| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECIAL RISK INSURANCE SERVICES INC3 | P.O. BOX 1108 VOORHEES, NJ 080437108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99K | $20K | $119K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 1.62% |
| SPECIAL RISK INSURANCE SERVICES INC3 | P.O. BOX 1108 VOORHEES, NJ 080437108 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH&MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HEARTLAND | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $859K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | — | $41K |
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $40K |
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 | 1,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | HEARTLAND | 2,265 | $142K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,955 | $1.3M |
| Short-term disability | INSURANCE ADMINISTRATOR OF AMERICA, INC. | 740 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 621 | $149K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,955 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,955 | — |
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.