| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $165K | $165K | 1.88% |
| TOP BENEFITS LLC0 Filed as: TOP VALUE BENEFIT CONCIERGE LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 0.68% |
| 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 | $119K | $131K | $250K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $55K | $93K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN AGE | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | GERBER LIFE INSURANCE COMPANY | $40K | $59K | $99K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $28K | — | $28K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN AGE | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | GERBER LIFE INSURANCE COMPANY | $5K | $7K | $12K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN AGE | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | GERBER LIFE INSURANCE COMPANY | $12K | $6K | $18K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC - WORTHAM HOUSTON | 2727 ALLEN PKWY HOUSTON, TX 770192115 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1K | — | -$1K | -0.66% |
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 | 8,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,670 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENT HEALTH | 22 | $749K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 18 | $177K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,691 | $1.6M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,320 | $14.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 9,873 | $4.4M |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1 | $10K |
| Other(4 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 10,279 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,320 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.