| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $90K | $4K | $94K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | BLUE CARE NETWORK OF MICHIGAN | $19K | $1K | $20K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 13.51% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $19 | $5K | 7.24% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $930 | $0 | $930 | 8.74% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | $0 | $663 | 8.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $816 | $0 | $816 | 13.21% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,472 | $6.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,472 | $5.1M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 854 | $283K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 854 | $194K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,472 | $6.3M |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 854 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,472 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.