| 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 | — | $42 | $42 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $6K | $6K | 5.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $2K | $4K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 24028 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $2K | $3K | 2.89% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 4.97% |
| TOPBENEFITS LLC3 | 3 BATTERY MARCH PARK 4TH FLOOR QUINCY, MA 02169 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.03% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | — | $896 | $896 | 1.27% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $534 | $883 | $1K | 3.16% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS, LLC | 3 BATTERYMARCH PARK 4TH FLOOR QUINY, MA 02199 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $88 | — | $88 | 0.20% |
| 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% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 15 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIP, AN EMBLEMHEALTH COMPANY | 15 | $170K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $425K |
| Vision(2 contracts, 2 carriers) | HIP, AN EMBLEMHEALTH COMPANY | 579 | $203K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 185 | $172K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $45K |
| Prescription drug | HIP, AN EMBLEMHEALTH COMPANY | 15 | $170K |
| Other | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | 138 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.