| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HCC LIFE INSURANCE COMPANY | $91K | $58K | $150K | 11.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $18K | $7K | $25K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $74K | $0 | $74K | 21.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $15K | $8K | $24K | 7.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $12K | $6K | $18K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $2K | $907 | $3K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LEGALPLANS, USA | $5K | $0 | $5K | 15.00% |
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 | 960 | 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) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 651 | $89K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 960 | $588K |
| Short-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 346 | $355K |
| Long-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 491 | $307K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 698 | $1.3M |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 960 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.