| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | SYMETRA LIFE INSURANCE COMPANY | $55K | $9K | $64K | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 3625 ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $11K | $0 | $11K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $38 | $6K | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $797 | $797 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.01% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE INTERGRATION | — | COMBINED INSURANCE | $6K | $0 | $6K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMBINED INSURANCE | $2K | $0 | $2K | 1.71% |
| FRANK P DOHERTY3 | — | COMBINED INSURANCE | $3 | $0 | $3 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES T PETTAPIECE | — | COMBINED INSURANCE | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | $0 | $3K | 8.13% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE INTERGRATION | — | COMBINED INSURANCE | $618 | $0 | $618 | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | COMBINED INSURANCE | $66 | $0 | $66 | 0.39% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES COMPANY | — | LEGAL RESOURCES | $3K | $0 | $3K | 20.41% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 706 | $224K |
| Vision | VISION SERVICE PLAN | 374 | $41K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 829 | $152K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 423 | $288K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 423 | $305K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 367 | $731K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 829 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.