| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $923 | $12K | 9.04% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 12.92% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.08% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $961 | $961 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.99% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.01% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $617 | $617 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 17.35% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $757 | — | $757 | 2.65% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $320 | $320 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 2725 SOUTH MOORLAND ROAD NEW BERLIN, WI 53151 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.70% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $241 | — | $241 | 2.31% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $105 | $105 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $401 | — | $401 | 12.69% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | — | $73 | 2.31% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10 | $10 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $412 | — | $412 | 13.95% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | — | $79 | 2.67% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $37 | $37 | 1.25% |
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 | 478 | 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) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $135K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 260 | $18K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $39K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 477 | $125K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 477 | $54K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.