| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.63% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.25% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT DAVIES | PO BOX 11600 LANCASTER, PA 17605 | HARTFORD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 1.17% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | — | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION BENEFITS OF AMERICA | $410 | $0 | $410 | 3.34% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC. | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | VISION BENEFITS OF AMERICA | $204 | $0 | $204 | 1.66% |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 522 | $174K |
| Vision | VISION BENEFITS OF AMERICA | 360 | $12K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 455 | $427K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 455 | $427K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 455 | $427K |
| Other | HARTFORD LIFE INSURANCE COMPANY | 455 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.