| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP - MARSH & MCLENNAN LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $494K | $0 | $494K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP - MARSH & MCLENNAN LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $64K | $124K | 3.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $7K |
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 | 49,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,177 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 50,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 49,986 | $15.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 49,654 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,986 | — |
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.