| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH % MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO | $68K | $0 | $68K | 1.75% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC BROKERAGE INC | PO BOX 644 HAMPTON FALLS, NH 03844 | HARTFORD LIFE AND ACCIDENT | $51K | $0 | $51K | 8.68% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE UNIT 1300 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $0 | $21K | $21K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH % MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 2.61% |
| GRAVIE ADMINISTRATIVE SERVICES LLC5 | 10NE 2ND STREET SUITE 300 MINNEAPOLIS, MN 55413 | GRAVIE INC | $0 | $14K | $14K | 7.29% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANY INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | GRAVIE INC | $6K | $0 | $6K | 3.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | HEARTLAND | $1K | $0 | $1K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH % MCLENNAN AGENCY LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | HEARTLAND | $847 | $0 | $847 | 4.17% |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 352 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO | 352 | $3.9M |
| Vision | HEARTLAND | 271 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 322 | $583K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $583K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $583K |
| Other | GRAVIE INC | 249 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.