| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 194282085 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $33 | $5K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $33 | $4K | 0.49% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $213 | $213 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. WORTHAM INS, AN MMC | PO BOX 301598 DALLAS, TX 75303 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. TRION GROUP, AN MMA | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 1.96% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $32K | $32K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $32 | $12K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $32 | $12K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 194282085 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $766 | $766 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $32 | $10K | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $33 | $10K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 194282085 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $619 | $619 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITYWEST BOULEVARD SUITE 2400 HOUSTON, TX 770423031 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $32 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 1388 HOUSTON, TX 772511388 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $32 | $9K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 194282085 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $571 | $571 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.02% |
| BENEFITFOCUS.COM, INC.3 | DEPT. 3383 P.O. BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $0 | $660 | $660 | 1.03% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $13K | $13K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $3K | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 1,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,171 | $300K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,144 | $910K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,365 | $498K |
| Other(8 contracts, 4 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 1,367 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,144 | — |
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."
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.