| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HCC LIFE INSURANCE COMPANY | $76K | $0 | $76K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 7.05% |
| IMG5 | 2960 NORTH MERIDAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $42 | $42 | 0.01% |
| HAGENEY, JAMES, GERARD3 Filed as: HAGENEY, JAMES GERARD | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | UNUM-PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 10.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM-PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 7.26% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN STREET BATAVIA, NY 14020 | UNUM-PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.20% |
| HAGENEY, JAMES, GERARD3 Filed as: HAGENEY, JAMSE GERARD | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | UNUM-PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $2K | $6K | 11.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM-PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 2.54% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN STREET BATAVIA, NY 14020 | UNUM-PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $254 | $0 | $254 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM-PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $781 | $4K | 21.62% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 207 | $31K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $314K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $314K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 188 | $509K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.