| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | MINNESOTA LIFE INSURANCE COMPANY | — | $65K | $65K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | MINNESOTA LIFE INSURANCE COMPANY | — | $23K | $23K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN LLC | TRION GROUP 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLD KING OF PRUSSIA, PA 19406 | MINNESOTA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $3.1M |
| DELTA DENTAL OF KY EIN 61-0659432 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $153K |
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 | 3,962 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $341K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7,766 | $406K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,036 | $3.7M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,816 | $177K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,816 | $867K |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 4,391 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,766 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.