| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $14K | $20K | $34K | 0.76% |
| 0009K8913 Filed as: 0009K891- | MARSH MCLENNAN AGENCY LLC 101 HUNTINGTON BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 10.14% |
| 0009K8933 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 16.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $852 | $63 | $915 | 9.38% |
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 | 632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 835 | $4.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 835 | $4.5M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 835 | $4.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 688 | $340K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 688 | $340K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 688 | $340K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 688 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.