| 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 | UPMC HEALTH OPTIONS | $78K | — | $78K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $18K | $3K | $21K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON, REID & COMPANY, INC. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | HIGHMARK, INC. | $729 | — | $729 | 3.80% |
| 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 | $303 | $29 | $332 | 9.88% |
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFITS SOLUTIONS | 8150 PERRY HWY, SUITE 100 PITTSBURGH, PA 15237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | — | $101 | 3.01% |
| DONALD BUSHYGER3 | 105 MARBLE DRIVE MCMURRAY, PA 15317 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | — | $101 | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UPMC HEALTH BENEFITS | $101 | — | $101 | 4.04% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 375 | $1.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 299 | $88K |
| Vision | HIGHMARK, INC. | 270 | $19K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 306 | $187K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 306 | $187K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 306 | $187K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 375 | $1.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 306 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.