| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD STE 200 TROY, MI 48084 | GEISINGER QUALITY OPTIONS INC. | $21K | $50 | $21K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HIGHMARK INC. | $12K | — | $12K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | DELTA DENTAL OF PENNSYLVANIA | $511 | $7K | $7K | 50.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $592 | — | $592 | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | $28 | $405 | 11.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $201 | — | $201 | 15.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$12 | — | -$12 | -0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62 | — | $62 | 5.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4 | — | -$4 | -0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83 | — | $83 | 7.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$5 | — | -$5 | -0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6 | — | $6 | 5.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS INC. | 104 | $1.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 148 | $14K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $5K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $1K |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS INC. | 104 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $105 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.