| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE. STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $58 | $58 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 6.88% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTANTS LLC | PO BOX 202617 DALLAS, TX 753202617 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.97% |
| TOPBENEFITS LLC3 | 3 BATTERY MARCH PARK 4TH FLOOR QUINCY, MA 02169 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.03% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 115 S JEFFERSON RD BLDG 200 WHIPPANY, NJ 07981 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $928 | $928 | 1.31% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER & ASSOCIATES | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | — | $3K | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 200 JEFFERSON ST. WHIPPANY, NJ 07981 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | $2K | — | $2K | 15.00% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 10 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 640 | $5.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 647 | $473K |
| Vision(2 contracts, 2 carriers) | HIP, AN EMBLEMHEALTH COMPANY | 640 | $220K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 230 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $71K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 640 | $5.7M |
| Other | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | 230 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.