| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | DBA TRION GROUP, MMC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $144K | — | $144K | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $68K | — | $68K | 2.57% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 2.00% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 6.00% |
| HEALTH AND HUMAN RESOURCE CENTER3 Filed as: HEALTH AND HUMAN RESOURCE CENTER IN | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | HEALTH AND HUMAN RESOURCE CENTER INC | — | $189K | $189K | 12659.80% |
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 | 6,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,292 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 108 | $1.0M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA, INC. | 16 | $101K |
| Life insurance(5 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 8,713 | $10.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,939 | $3.3M |
| Prescription drug(3 contracts, 3 carriers) | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 64 | $620K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 8,713 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,713 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.