| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC, DBA TRION GROUP, MMC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $89K | — | $89K | 2.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 800 NORTH GLEBE ROAD ARLINGTON, VA 22203 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $107K | $107K | 5.00% |
| THE LEADERS GROUP INC3 | 26 W DRY CREEK CIR STE 575 LITTLETON, CO 801208067 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 2.84% |
| GREGORY NORTON3 | 109 GRACE CHURCH ST C/O TRION GROUP RYE, NY 105803946 | METROPOLITAN LIFE INSURANCE COMPANY | $381 | — | $381 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81K | — | $81K | 22.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | — | $43K | 20.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.24% |
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 | 5,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 355 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 525 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,364 | $2.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 10,364 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,153 | $4.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,153 | $4.1M |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 5,033 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,364 | — |
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.