| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA TRINION GROUP 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HCC LIFE INSURANCE COMPANY | $14K | $6K | $20K | 6.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | HCC LIFE INSURANCE COMPANY | $15K | — | $15K | 5.14% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 6.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 15150 NORTHWEST 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.71% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD SUITE 200 COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.66% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P & C RISK SERVICES LLC | PO BOX 809 ATHENS, TN 37303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 273 | $295K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $288K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $288K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $288K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $288K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $74K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 273 | $295K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.