| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | DBA ASSURANCE PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.92% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $855 | $0 | $855 | 2.78% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.73% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $2K | $0 | $2K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $666 | $0 | $666 | 2.79% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $553 | $2K | 14.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $445 | $0 | $445 | 4.02% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $758 | $541 | $1K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $325 | $0 | $325 | 3.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $608 | $434 | $1K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | $0 | $261 | 3.00% |
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 | 554 | 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) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $161K |
| Vision | EYEMED | 405 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 554 | $296K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $296K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $296K |
| Other(7 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 554 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.