| 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 | AETNA LIFE INSURANCE CO | $103 | — | $103 | 0.00% |
| 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 | — | $5K | $5K | 1.76% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.45% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.73% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.85% |
| 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 | — | $2K | $2K | 1.77% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.85% |
| 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 | — | $361 | $361 | 1.72% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVE CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $157 | $157 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 744 | 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) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,401 | $8.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 733 | $493K |
| Vision | VISION SERVICE PLAN | 697 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 744 | $118K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 744 | $279K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 744 | $151K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,401 | $8.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 744 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,401 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.