| 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 | $106K | — | $106K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $7K | $28K | 13.30% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTNACE, USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $108 | $108 | 0.05% |
| 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% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $10K | $37K | 38.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | HIGHMARK, INC. | $794 | — | $794 | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | UPMC HEALTH BENEFITS | $109 | — | $109 | 3.96% |
| 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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 419 | $2.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 334 | $102K |
| Vision | HIGHMARK, INC. | 308 | $21K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 332 | $212K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 332 | $212K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 332 | $212K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 414 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.