| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 344 WEST MAIN STREET MILFORD, CT 06460 | DELTA DENTAL OF NJ, INC. | $12K | — | $12K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $414 | $2K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $729 | $729 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | ANTHEM HEALTH PLANS, INC. | $3K | — | $3K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SERVICES | Claims processing Service code 12 | — | $108K |
| INNOVATIVE INSURANCE PLANS EIN 06-0846991 | Claims processing; Accounting (including auditing); Contract Administrator Service code 10 | — | $107K |
| CIGNA | Claims processing Service code 12 | — | $56K |
| NEBCO/AMWINS | Claims processing Service code 12 | — | $47K |
| 1 800 MD | Claims processing Service code 12 | — | $21K |
| WELLNESS PLAN OF AMERICA | Claims processing Service code 12 | — | $7K |
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 | 464 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL INNOVATIVE HEALTHPLANS | 322 | $3.5M |
| Dental | DELTA DENTAL OF NJ, INC. | 307 | $292K |
| Vision | ANTHEM HEALTH PLANS, INC. | 221 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 468 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 617 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 468 | $66K |
| Stop-loss / reinsurancereinsurance | MONTGOMERY MANAGEMNENT | 322 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.