| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $5K | $5K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOW, IL 60008 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $2K | $2K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $3K | $3K | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $657 | $657 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $0 | $71K | 48.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $3K | $3K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $1K | $1K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $0 | $54K | 49.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 40.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $474 | $474 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $0 | $361 | $361 | 0.54% |
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 | 1,927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 931 | $84K |
| Vision | VISION SERVICE PLAN | 1,159 | $215K |
| Life insurance | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 1,844 | $521K |
| Short-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 1,229 | $140K |
| Long-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 1,415 | $360K |
| Stop-loss / reinsurancereinsurance | SWISSRE ACCIDENT & HEALTH RISK SOLUTIONS, LLC | 1,369 | $1.2M |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,844 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,844 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.