| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | USABLE LIFE | $5K | $0 | $5K | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 4400 PGA BLVD STE 1000 PALM BEACH GARDENS, FL 33410 | USABLE LIFE | $4K | $0 | $4K | 6.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 32.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $677 | $677 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 63.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $886 | $0 | $886 | 12.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $202 | $202 | 2.89% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $369K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 223 | $74K |
| Vision | AETNA LIFE INSURANCE COMPANY | 254 | $8K |
| Life insurance | USABLE LIFE | 337 | $58K |
| Short-term disability | USABLE LIFE | 337 | $58K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 337 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.