| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36K | $36K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | PO BOX 1388 HOUSTON, TX 77251 | METLIFE LEGAL PLANS, INC | $50K | $0 | $50K | 9.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC, TRION GROUP, A MARS | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS, INC | — | $7K | $7K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCCLENNAN AGE | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $6.3M |
| STAYWELL HEALTH MANAGEMENT EIN 13-2890345 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.3M |
| EXPRESS SCRIPTS EIN 43-1420563 N/A | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.1M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Other services; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $384K |
| KEPRO ACQUISITIONS EIN 25-1796254 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $271K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 N/A | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $189K |
| LIFE INSURANCE CO. OF NORTH AMERICA EIN 23-1503749 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $125K |
| PAYFLEX SYSTEMS USA EIN 91-1774434 N/A | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $47K |
| PROGYNY, INC EIN 27-2220139 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 13 | — | $44K |
| JPMORGAN CHASE BANK N.A. EIN 13-4994650 N/A | Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Float revenue; Trustee (directed); Direct payment from the plan Service code 21 | — | $10K |
| JPMORGAN CHASE BANK, N.A. | Other investment fees and expenses Service code 72 | — | $283 |
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 | 9,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 907 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 966 | $299K |
| Vision | VISION SERVICE PLAN | 8,869 | $2.0M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,454 | $9.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,515 | $707K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,356 | $5.5M |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS, INC | 2,305 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,356 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.