| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA CONS/SEABURY SMITH INC | — | GENWORTH LIFE INSURANCE COMPANY | $26K | — | $26K | 12.21% |
| BENEFIT DESIGN SPECIALISTS, INC.3 Filed as: BENEFIT DESIGN SPECIALISTS | 600 WILSON LANE, SUITE 200 MECHANICSBURG, PA 17055 | AXIS INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $8.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $763K |
| MEDICAL MUTUAL SERVICES EIN 34-1922587 NONE | Claims processing Service code 12 | — | $107K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 INVEST MANAGER | Investment management fees paid directly by plan Service code 51 | — | $91K |
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 | 15,635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17,720 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 33,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF OHIO | 27,685 | $9.3M |
| Vision | VISION SERVICE PLAN | 7,824 | $3.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,286 | $24.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,737 | $4.7M |
| Other(6 contracts, 5 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | 15,635 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,286 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.