| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.80% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $845 | $0 | $845 | 1.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | WFC 200 LIBERTY ST 6TH FLOOR ATTN EMPLOYEE BENEFITS DEPT NEW YORK, NY 10281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | $0 | $192 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 12.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | METLIFE LEGAL PLANS OF FLORIDA | $769 | $9 | $778 | 7.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. TRION GROUP | A MARSH MCLENNAN AGENCY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $81 | $81 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 1 POLARIS WAY STE 300 ALISO VIEJO, CA 92656 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $20 | $20 | 0.18% |
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 | 533 | 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) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 592 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $154K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $149K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 519 | $111K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 519 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.