| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 1.29% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | PO BOX 6705 CAROL STREAM, IL 601976705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $20K | $20K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 2.50% |
| THE NIA GROUP3 | MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 13.63% |
| 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 | $2K | $2K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.60% |
| 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 | $2K | $2K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| THE NIA GROUP3 | MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $121 | $121 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 86-1465626 EMPLOYEE ASSISTANCE PLAN | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $26K |
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 | 1,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 340 | $842K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 2,561 | $925K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 1,934 | $96K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,654 | $540K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,777 | $619K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,780 | $1.8M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,777 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,780 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.