| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $1K | $16K | 16.44% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | PO BOX 6705 CAROL STREAM, IL 601976705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $872 | $10K | 16.51% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | PO BOX 6705 CAROL STREAM, IL 601976705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 11.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 EMPLOYEE ASSISTANCE PLAN | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 1,712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 385 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 350 | $778K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 2,526 | $972K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 1,873 | $156K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,712 | $566K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,712 | $526K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,737 | $1.5M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,712 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,737 | — |
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."
No prospect flags tripped on this filing.