| 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. | $14K | — | $14K | 4.93% |
| EMPLOYEE FAMILY PROTECTION INC Filed as: EMPLOYEE FAMILY PROTECTION, INC. | P.O. BOX 1237, 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 19.56% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $277 | $2K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $517 | $517 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET, SUITE 300 BOSTON, MA 02116 | ANTHEM HEALTH PLANS, INC. | $3K | — | $3K | 9.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATIVE INSURANCE PLANS EIN 06-0846991 | Accounting (including auditing); Contract Administrator; Claims processing Service code 10 | — | $125K |
| NEBCO/AMWINS | Claims processing Service code 12 | — | $48K |
| INETICO, INC. | Claims processing Service code 12 | — | $47K |
| BENEFIT & RISK MANAGEMENT SERVICES | Claims processing Service code 12 | — | $8K |
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 | 496 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATIVE HEALTH PLANS | 349 | $3.6M |
| Dental | DELTA DENTAL OF NJ, INC. | 328 | $277K |
| Vision | ANTHEM HEALTH PLANS, INC. | 261 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $167K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $73K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNDERWRITING MANAGEMENT EXPERTS | 349 | $1.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.