| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUNLIFE ASSURANCE COMPANY OF CANADA | $72K | — | $72K | 15.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY C/O TRION | GROUP 611 POINTE NORTH BLVD ALBANY, GA 31721 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $23K | $23K | 4.85% |
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $1K | $30K | 22.82% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $456 | $910 | $1K | 1.05% |
| ANZA & ANZA AND ASSOCIATES3 | 367 HIGHCREST DRIVE WEST MILFORD, NJ 07480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $43 | $1K | 0.96% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DIRVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | $116 | $579 | 0.45% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST STREET MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | $6 | $401 | 0.31% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $642 | — | $642 | 3.31% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $130K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 351 | $149K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $130K |
| Prescription drug | RXBENEFITS INC. | 296 | $753K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 291 | $473K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 351 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.