| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PROTECTOR GROUP INSURANCE A MARSH | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PROTECTOR GROUP INSURANCE A MARSH | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PROTECTOR GROUP INSURANCE A MARSH | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.35% |
| 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 | 19.74% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $383 | $0 | $383 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $295 | $295 | 0.76% |
| 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 | $93 | $0 | $93 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS OF FLORIDA | $647 | $0 | $647 | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | METLIFE LEGAL PLANS OF FLORIDA | $68 | $0 | $68 | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANAIER & CO A MARSH | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $68 | $68 | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. TRION GROUP A MARSH | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $60 | $60 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $10 | $10 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $63 | $0 | $63 | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PROTECTOR GROUP INSURANCE A MARSH | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | — |
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 | 694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 249 | $2.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 789 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $158K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $179K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 704 | $121K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.