| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FOUR EVER LIFE INSURANCE CO. | $92K | $31K | $123K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | INDEPENDENCE BLUE CROSS | $64K | — | $64K | 3.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $26K | $29K | $55K | 3.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $34K | $71K | $105K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $5K | $23K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HEALTH PLAN OF NEVADA | $4K | — | $4K | 0.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 1.57% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $33K | — | $33K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | EYEMED VISION CARE | $8K | — | $8K | 2.38% |
| BENEFITSSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $141K | $3K | $144K | 67.74% |
| THE DAY & ZIMMERMAN GROUP, INC.3 | 1500 SPRING GARDEN ROAD PHILADELPHIA, PA 19805 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 20.21% |
| BENEFITSSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $117K | $2K | $120K | 65.44% |
| THE DAY & ZIMMERMAN GROUP, INC.3 | 1500 SPRING GARDEN ROAD PHILEDELPHIA, PA 19805 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 14.17% |
| BENEFITSSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $3K | $101K | 67.53% |
| THE DAY & ZIMMERMAN GROUP, INC.3 Filed as: THE DAY & ZIMMERMAN GROUP, INC | 1500 SPRING GARDEN ROAD PHILEDELPHIA, PA 19805 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31K | $31K | 20.69% |
| BENEFITS STORE INC.3 Filed as: BENEFITS STORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | HYATT LEGAL PLANS | $4K | $808 | $5K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | $3K | $814 | $4K | 5.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $277 | $8K | 20.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $382 | $382 | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $649 | — | $649 | 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 | 15,245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | FOUR EVER LIFE INSURANCE CO. | 4,270 | $6.0M |
| Vision | EYEMED VISION CARE | 4,526 | $334K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,881 | $1.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,075 | $578K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,242 | $801K |
| Prescription drug(3 contracts, 3 carriers) | FOUR EVER LIFE INSURANCE CO. | 4,270 | $5.4M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 15,245 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,245 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.