| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | QBE INSURANCE COMPANY | $116K | $39K | $155K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $2K | $19K | 16.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 16.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $773 | $5K | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $797 | $10K | 16.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUPERIOR VISION PLAN (METROPOLITAN LIFE INSURANCE COMPANY) | $7K | $0 | $7K | 12.00% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $11K | $0 | $11K | 18.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $470 | $178 | $648 | 14.22% |
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 | 1,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION PLAN (METROPOLITAN LIFE INSURANCE COMPANY) | 505 | $60K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,201 | $165K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,201 | $114K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE COMPANY | 553 | $776K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,201 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.