| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 10601 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $3K | $39K | $42K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 10601 | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | $247 | $4K | $4K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON ST STE 300 BOSTON, MA 02116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | P.O. BOX 85638 SANDIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.03% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S. MICHIGAN AVE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 RT 17 NORH PARAMUS, NJ 10601 | VISION SERVICE PLAN | $757 | — | $757 | 7.42% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 266 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF RHODE ISLAND | 292 | $136K |
| Vision | VISION SERVICE PLAN | 74 | $10K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 165 | $108K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 165 | $93K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 165 | $93K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 52 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.