| 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 | — | $74 | $74 | 0.03% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 753202617 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 4.97% |
| TOPBENEFITS LLC3 | 3 BATTERY MARCH PARK 4TH FL QUINCY, MA 02169 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.03% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 753202617 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 601433141 | HARTFORD LIFE AND ACCIDENT | — | $924 | $924 | 0.73% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| TOPBENEFITS LLC3 | 3 BATTERY MARCH PARK 4TH FLOOR QUINCY, MA 02169 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $972 | — | $972 | 2.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 605 THIRD AVE. 24TH FLOOR NEW YORK, NY 10158 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $208K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIP, AN EMBLEMHEALTH COMPANY | 18 | $161K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 623 | $440K |
| Vision(2 contracts, 2 carriers) | HIP, AN EMBLEMHEALTH COMPANY | 623 | $198K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 151 | $126K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $49K |
| Prescription drug | HIP, AN EMBLEMHEALTH COMPANY | 18 | $161K |
| Other | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | 151 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.