| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $50K | $52K | $102K | 4.78% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.75% |
| NAYYA HEALTH INSURANCE CENTER3 | SERVICES 215 PARK AVE S, FL 4 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $189 | $0 | $189 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $43K | $7K | $49K | 17.31% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $30K | $30K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $38K | $6K | $44K | 17.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $16K | $4K | $19K | 12.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $6K | $0 | $6K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.42% |
| OPTAVISE, LLC3 | PO BOX 360422 PITTSBURGH, PA 15251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 14.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.42% |
| OPTAVISE, LLC3 | PO BOX 360422 PITTSBURGH, PA 15251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 18.46% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | PO BOX 360422 PITTSBURGH, PA 15251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 17.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $4K | $430 | $5K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $1K | $183 | $1K | 17.34% |
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 | 2,313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,401 | $604K |
| Vision | EYEMED VISION CARE | 1,290 | $128K |
| Life insurance | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 2,313 | $286K |
| Short-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 724 | $252K |
| Long-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 765 | $156K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,601 | $2.1M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,313 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,313 | — |
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.