| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | ANTHEM HEALTH PLANS, INC. | $25K | $2K | $27K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS, INC. | $25K | — | $25K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 7.38% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $1K | — | $1K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $635 | — | $635 | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 6.67% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE CO. | $370 | — | $370 | 2.39% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 171 | $2.1M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 161 | $95K |
| Vision | AETNA LIFE INSURANCE CO. | 253 | $15K |
| Life insurance | AETNA LIFE INSURANCE CO. | 241 | $102K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 241 | $102K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 241 | $102K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 171 | $2.1M |
| Other | AETNA LIFE INSURANCE CO. | 241 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.