| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON ST LBBY 3 BOSTON, MA 021163787 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $40 | $48K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHELE AVE STE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE JAMES | 500 BOYLSTON ST 3RD FL BOSTON, MA 02116 | SUN LIFE ASSURANCE COMPANY OF CANADA | $75K | $0 | $75K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE PARK 80 WEST PLAZA TWO SUITE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON ST. BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC | 500 BOYLSTON ST FL 3 BOSTON, MA 021163740 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO CLAIMS ADMINISTRATER | Contract Administrator; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Claims processing; Participant communication Service code 12 | 280 TRUMBALL ST. HARTFORD, CT 06103 | $1.2M |
| CIGNA | Float revenue; Claims processing; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
| MARSH & MCLENNAN AGENCY LLC BROKER | Other commissions Service code 55 | 250 PEHLE AVE PARK 80 WEST PLAZA TWO SUITE 400 SADDLEBROOK, NJ 07663 | $0 |
| MARSH AND MCLENANN AGENCY LLC BROKER | Other commissions Service code 55 | 500 BOYLSTON ST. BOSTON, MA 02116 | $0 |
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 | 2,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,267 | $969K |
| Vision | VISION SERVICE PLAN | 1,611 | $215K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,276 | $500K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,182 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,267 | — |
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.