| 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 BROK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $4K | $7K | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $748 | $748 | 0.68% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PK FL 4 QUINCY, MA 02169 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $279 | $279 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $2K | $6K | 13.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.02% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PK FL 4 QUINCY, MA 02169 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $125 | $125 | 0.28% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | — | $3K | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 350 MADISON AVE. 7TH FLOOR NEW YORK, NY 10017 | 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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIP, AN EMBLEMHEALTH COMPANY | 13 | $159K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $415K |
| Vision(2 contracts, 2 carriers) | HIP, AN EMBLEMHEALTH COMPANY | 577 | $190K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 190 | $109K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 134 | $45K |
| Prescription drug | HIP, AN EMBLEMHEALTH COMPANY | 13 | $159K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | 190 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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."
No prospect flags tripped on this filing.