| 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 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $24K | — | $24K | 0.50% |
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN JOHNSON INSURANCE | 740 REGENT STREET MADISON, WI 53715 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $8K | — | $8K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 2.26% |
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN-JOHNSON INSURANCE | 740 REGENT STREET MADISON, WI 53715 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $5K | $9K | 10.10% |
| INGENIUM PRIME INC3 | PO BOX 259408 MADISON, WI 53725 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $4K | $12K | 16.66% |
| INGENIUM PRIME INC3 | PO BOX 259408 MADISON, WI 53725 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.85% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 728 | $4.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 641 | $308K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 501 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $69K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 728 | $4.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 501 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.