| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $319K | $17K | $336K | 3.29% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $59K | — | $59K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA HEALTH, INC | $52K | — | $52K | 2.60% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 DALLAS, TX 75312 | AETNA HEALTH, INC | $9K | — | $9K | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | $69K | $0 | $69K | 4.36% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF LIFE AMERICA | $12K | $0 | $12K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF LIFE AMERICA | $10K | $0 | $10K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF LIFE AMERICA | $10K | $0 | $10K | 2.54% |
| LOCKTON COMPANIES, LLC3 | DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF LIFE AMERICA | $7K | $0 | $7K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 16.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 6.10% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | $732 | $0 | $732 | 2.31% |
| LOCKTON COMPANIES, LLC3 | PO BOX 675382 DALLAS, TX 75267 | METROPOLITAN GENERAL INSURANCE COMPANY | $247 | $0 | $247 | 0.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $240 | $240 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $129 | $129 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $121 | $121 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $49 | $49 | 0.15% |
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 | 1,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,472 | $13.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,472 | $10.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,472 | $10.2M |
| Life insurance | LIFE INSURANCE COMPANY OF LIFE AMERICA | 1,724 | $391K |
| Short-term disability | LIFE INSURANCE COMPANY OF LIFE AMERICA | 1,724 | $391K |
| Long-term disability | LIFE INSURANCE COMPANY OF LIFE AMERICA | 1,724 | $391K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,472 | $13.8M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF LIFE AMERICA | 1,724 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,724 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.