| 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 | $93K | $0 | $93K | 3.39% |
| 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 | $21K | $4K | $25K | 11.93% |
| 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 | $5K | — | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 17.76% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 6.31% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $809 | $3K | 3.57% |
| ANZA & ANZA AND ASSOCIATES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.15% |
| MELINDA DIANE SWARTLEY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $236 | $2K | 2.55% |
| TANYA WISHARD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $977 | $159 | $1K | 1.25% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $75 | $1K | 1.23% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $814 | $1K | 1.16% |
| WYATT INSURANCE SERVICES3 Filed as: R WYATT SWARTLEY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $810 | — | $810 | 0.89% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $137 | $630 | 0.69% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $16 | $107 | 0.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | HIGHMARK, INC. | $785 | — | $785 | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | UPMC HEALTH BENEFITS | $107 | — | $107 | 3.70% |
| 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 | $26 | — | $26 | — |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 413 | $2.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 321 | $92K |
| Vision | HIGHMARK, INC. | 285 | $21K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 325 | $209K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 325 | $209K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 325 | $209K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 351 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.