| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | FKA SLIA INC NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $77K | $0 | $77K | 7.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | FKA SLIA INC NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS RISK & INSURANCE SERVICES | PO BOX 9465 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $889 | $0 | $889 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | FKA SLIA INC NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $592 | $0 | $592 | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA NC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $430 | $0 | $430 | 10.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AETNA LIFE INSURANCE COMPANY | 136 | $1.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $88K |
| Vision(4 contracts) | AETNA LIFE INSURANCE COMPANY | 136 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $11K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.