| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $129K | $161K | $289K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP - MARSH & MCLENNAN LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $55K | $23K | $78K | 2.37% |
| 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 | — | $9K |
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 | 64,693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,370 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 66,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 62,754 | $15.7M |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 65,147 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,147 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.