| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $9K | $20K | 4.39% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $7K | $20K | 4.62% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $304 | $0 | $304 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $6K | $25K | 18.33% |
| NAYYA HEALTH INSURANCE CENTER3 | SERVICES 215 PARK AVE S NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $711 | $0 | $711 | 0.53% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $586 | $0 | $586 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 28.76% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $631 | $0 | $631 | 0.70% |
| NAYYA HEALTH INSURANCE CENTER3 | SERVICES 215 PARK AVE S NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $336 | $0 | $336 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 27.75% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $483 | $0 | $483 | 0.75% |
| NAYYA HEALTH INSURANCE CENTER3 | SERVICES 215 PARK AVE S NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $262 | $0 | $262 | 0.41% |
| HAMPSON-MOWER AGENCY LLC3 | 54 S COMMERCE WAY SUITE 150 BETHLEHEM, PA 18017 | ACE AMERICAN INSURANCE COMPANY (CHUBB) | $9K | $0 | $9K | 20.00% |
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 | 1,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 785 | $1.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,079 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,894 | $428K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,458 | $466K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 66 | $1.3M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,198 | $3.9M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,894 | $759K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,894 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.