| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GROUP, A MARSH MCLENNAN | 55 WATER STEET NEW YORK, NY 10041 | QBE INSURANCE | $102K | $34K | $137K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $950 | $20K | 15.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $982 | $19K | 15.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $467 | $10K | 15.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $153 | $2K | 5.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $480K |
| TELADOC HEALTH, INC. EIN 04-3705970 MEDICAL ADMIN CHARGES | Other fees Service code 99 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $13K |
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 | 1,504 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 844 | $48K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,107 | $148K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,107 | $148K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,107 | $124K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 577 | $683K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.