| 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 | $140K | — | $140K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GRP A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $65K | $91K | 3.50% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, INC. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | VISION SERVICE PLAN | $31K | — | $31K | 4.99% |
| TRION GROUP, INC.3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 6.00% |
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 | 6,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,449 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 120 | $740K |
| Vision | VISION SERVICE PLAN | 3,342 | $612K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 8,578 | $11.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,824 | $3.1M |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 9 | $85K |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 8,578 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,578 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.