| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERITAS LIFE INSURANCE CORP. | $10K | $3K | $14K | 5.28% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC. | PO BOX 2263 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP. | — | $624 | $624 | 0.24% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC. | PO BOX 2263 WILMINGTON, NC 28402 | ALLSTATE WORKPLACE DIVISION | $25K | — | $25K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 18.82% |
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 | 509 | 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) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 503 | $260K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY - SUPERIOR VISION | 0 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 509 | $112K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 509 | $112K |
| Other(2 contracts, 2 carriers) | ALLSTATE WORKPLACE DIVISION | 509 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.