| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | $54K | $148K | 8.00% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $37K | $0 | $37K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84K | $7K | $92K | 21.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61K | $6K | $67K | 21.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | $6 | $44K | 17.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $100 | $100 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 14.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $5K | 6.25% |
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 | 17,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 22 | $182K |
| Vision | EYEMED VISION CARE | 3,712 | $754K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,155 | $1.9M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,155 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,155 | $1.9M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 22 | $182K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,262 | $1.4M |
| Other(6 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,633 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,633 | — |
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."
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.