| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | — | $135K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NATIONAL VISION ADMINISTRATORS, LLC | $4K | — | $4K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $547 | — | $547 | 2.86% |
| HOWES, INC.3 Filed as: HOWES INC | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $455 | — | $455 | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | 110 PONCE DE LEON ST ROYAL PALM BEACH, FL 33411 | TRUSTMARK INSURANCE COMPANY | $430 | — | $430 | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 9.58% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $711 | — | $711 | 6.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 S ORANGE AVE SUITE 1350 HOUSTON, TX 77057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $312 | — | $312 | 2.99% |
| DAVID D HOWES3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 1.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES INC | — | FEDERAL INSURANCE COMPANY | $698 | — | $698 | 15.00% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,068 | $4.9M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,068 | $4.9M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 403 | $41K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $84K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $44K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,068 | $4.9M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.