| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HIGHMARK INC. | $40K | — | $40K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $12K | $2K | $14K | 16.38% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE., STE. 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | — | $690 | $690 | 0.82% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $348 | $348 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $618 | — | $618 | 7.71% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVE. EMMAUS, PA 180493026 | VISION SERVICE PLAN | $68 | — | $68 | 0.85% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 117 | $1.6M |
| Dental | HIGHMARK INC. | 117 | $1.6M |
| Vision | VISION SERVICE PLAN | 88 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 134 | $84K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $84K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $84K |
| Prescription drug | HIGHMARK INC. | 117 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 134 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.