| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC, TRION GROUP, A MARS | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | $48K | $0 | $48K | 6.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC, TRION GROUP, A MARS | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | $0 | $11K | $11K | 1.56% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P.O. BOX 301598 HOUSTON, TX 77216 | HYATT LEGAL PLANS | $6K | $0 | $6K | 0.86% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN L. WORTHAM & SON, L.P. | P.O. BOX 301598 HOUSTON, TX 77216 | HYATT LEGAL PLANS | $0 | $4K | $4K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCCLENNAN AGE | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $8.2M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.4M |
| EXPRESS SCRIPTS EIN 43-1420563 N/A | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $1.0M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $487K |
| KEPRO ACQUISITIONS EIN 25-1796254 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $354K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $258K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Claims processing; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $153K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $97K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Trustee (bank, trust company, or similar financial institution); Trustee (directed); Float revenue; Other investment fees and expenses; Direct payment from the plan Service code 21 | — | $83K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $12K |
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 | 13,810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 572 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,264 | $374K |
| Vision | VISION SERVICE PLAN | 11,418 | $2.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 15,406 | $14.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,703 | $738K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,653 | $6.4M |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS | 3,146 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,406 | — |
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."
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.