| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 15.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | PO BOX 6705 CAROL STREAM, IL 601976705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $837 | $837 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | PO BOX 6705 CAROL STREAM, IL 601976705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $481 | $481 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 EMPLOYEE ASSISTANCE PLAN | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $25K |
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 | 1,645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 413 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 350 | $797K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,369 | $697K |
| Vision | UNICARE LIFE & HEALTH INSURANCE COMPANY | 1,734 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $472K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,465 | $527K |
| Prescription drug | HUMANA INSURANCE COMPANY | 350 | $797K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,661 | $1.2M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,661 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.