| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HIGHMARK | $58K | — | $58K | 2.08% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK | $42K | — | $42K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 2.87% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $38 | $18K | 8.62% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BLVD SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $2K | — | $2K | 3.98% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 667 | $2.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 703 | $216K |
| Vision | VISION SERVICE PLAN | 307 | $43K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $212K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $212K |
| Prescription drug | HIGHMARK | 569 | $580K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.