| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $650K | $405K | $1.1M | 16.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | — | $76K | $76K | 1.17% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $566K | — | $566K | 37.19% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP PO BOX 350 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 194062772 | AMERITAS LIFE INSURANCE CORP. | $2K | $8K | $9K | 0.71% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $25K | $1K | $27K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | TRION GROUP 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $3K | $3K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | RJF DIVISION 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $644 | $644 | 0.20% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST CHICAGO, IL 606016420 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $125 | $125 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 2.00% |
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 | 12,868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 24 | $251K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 9,114 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 16,823 | $6.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 16,823 | $6.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 16,823 | $6.5M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 24 | $251K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 16,823 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,823 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.