| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $37K | $47K | 3.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $959 | $16K | 1.27% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 20.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $748 | $748 | 3.50% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $951 | $3K | 14.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $675 | $675 | 3.52% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $668 | $3K | 19.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $450 | $450 | 3.35% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $317 | $317 | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $228 | $228 | 3.56% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $20K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $19K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $21K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.3M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.