| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $8K | $23K | 5.76% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $6K | $14K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $7K | $27K | 20.50% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | INC 101 S GARLAND AVE ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $829 | $0 | $829 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 16.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.32% |
| HMK INSURANCE3 | 54 S COMMERCE WAY SUITE 150 BETHLEHEM, PA 18017 | ACE AMERICAN INSURANCE COMPANY | $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 | 1,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,497 | 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 | 718 | $1.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 1,028 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,794 | $398K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,351 | $371K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 72 | $1.3M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,140 | $1.7M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,794 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,794 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.