| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLD US KING OF PRUSSIA, PA 19406 | MINNESOTA LIFE INSURANCE PLAN | $0 | $7K | $7K | 2.16% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | — | MINNESOTA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.08% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLD US KING OF PRUSSIA, PA 19406 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $398 | $398 | 2.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLIENT ADMINISTRATOR | Claims processing Service code 12 | — | $255K |
| DELTA DENTAL OF KENTUCKY EIN 61-0659432 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $16K |
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 | 449 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 542 | $22K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE PLAN | 473 | $361K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $4K |
| Other | MINNESOTA LIFE INSURANCE COMPANY | 141 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.