| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 14.97% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | 1700 E GOLF ROAD SUITE 1000 SCHAUMBURG, IL 601736705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $241 | $241 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 14.99% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | 1700 E GOLF ROAD SUITE 1000 SCHAUMBURG, IL 601736705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $159 | $159 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $350 | $350 | 1.19% |
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 | 1,792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 420 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 343 | $974K |
| Dental | DELTA DENTAL OF VIRGINIA | 2,563 | $877K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 1,970 | $89K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,770 | $462K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,792 | $598K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 368 | $53K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,792 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,770 | — |
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.