| 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 | $257K | — | $257K | 3.73% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FL 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | — | $178K | $178K | 6.00% |
| THE LEADERS GROUP INC3 | 26 W DRY CREEK CIR STE 800 LITTLETON, CO 801208038 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 3.74% |
| GREGORY NORTON3 | 39 MARBOURNE DR MAMARONECK, NY 105431044 | METROPOLITAN LIFE INSURANCE COMPANY | $458 | — | $458 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155K | — | $155K | 26.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85K | — | $85K | 23.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 22.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $769 | — | $769 | 1.17% |
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 | 8,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 323 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13,278 | $3.4M |
| Vision | AETNA LIFE INSURANCE CO. | 13,278 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,394 | $7.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,394 | $6.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,394 | $6.9M |
| Other(6 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,394 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,278 | — |
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.