| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP (MARSH & MCLENNAN AGCY) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.76% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 5.85% |
| PATRICK H HALL3 | 9724 GUDEL DR ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP (MARSH & MCLENNAN AGCY) | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.46% |
| PATRICK H HALL3 | 9724 GUDEL DR ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION - A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.24% |
| PATRICK H HALL3 | 9724 GUDEL DR ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION - A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.38% |
| PATRICK H HALL3 | 9724 GUDEL DR ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP (MARSH & MCLENNAN AGCY) | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.01% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | EYEMED | $1K | $0 | $1K | 6.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN AGY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | EYEMED | $635 | $0 | $635 | 3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEATH AND LIFE INSURANCE CO. EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $74K |
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 | 223 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 354 | $135K |
| Vision | EYEMED | 381 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $52K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.