| 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 | AETNA LIFE INSURANCE COMPANY | $129K | $0 | $129K | 9.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN INC. | $62K | $0 | $62K | 6.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $14K | $44K | 10.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA, INC. | PO BOX 9023549 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC. | $8K | $0 | $8K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $7K | $0 | $7K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $5K | $610 | $6K | 26.78% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADM INC | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.50% |
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 | 993 | 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) | 993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 149 | $1.1M |
| Dental | HUMANA INSURANCE OF PUERTO RICO, INC. | 28 | $163K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE OF PUERTO RICO, INC. | 552 | $232K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 933 | $423K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 933 | $445K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 933 | $423K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 149 | $1.1M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 559 | $1.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 933 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.