| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 W PLAZA 2, 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ, INC. | $13K | — | $13K | 5.41% |
| 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 | $168 | $2K | 2.98% |
| 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 | — | $323 | $323 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE N, SUITE 300 MINNEAPOLIS, MN 55428 | ANTHEM HEALTH PLANS, INC. | $3K | — | $3K | 9.30% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | P.O. BOX 1237, 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $139 | $2K | 11.21% |
| 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 | $714 | — | $714 | 3.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATIVE HEALTH PLAN, LLC | Claims processing Service code 12 | — | $1.9M |
| INNOVATIVE INSURANCE SPECIALISTS | Claims processing; Accounting (including auditing); Contract Administrator Service code 10 | — | $220K |
| GROUP BENEFIT SERVICES | Claims processing Service code 12 | — | $128K |
| INETICO, LLC | Claims processing Service code 12 | — | $64K |
| HEALTHCARE INTERACTIVE, INC. | Claims processing Service code 12 | — | $11K |
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 | 489 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATIVE HEALTH PLANS | 337 | $4.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 326 | $285K |
| Vision | ANTHEM HEALTH PLANS, INC. | 248 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $117K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $74K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNDERWRITING MANAGEMENT EXPERTS | 337 | $1.5M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
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.