| 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 | — | $38 | $38 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 101 HUNTINGTON AVE STE 401 BOSTON, NJ 02199 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PK FL 4 QUINCY, MA 02169 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $681 | $4K | 11.44% |
| TOPBENEFITS LLC3 Filed as: TOPBENEFITS | 3 BATTERYMARCH PK FL 4 QUINCY, MA 02169 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, MA 01608 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $560 | $373 | $933 | 5.00% |
| TOPBENEFITS LLC3 | PO BOX 96002 FL 4 CHICAGO, MA 60693 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $560 | $560 | 3.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | $0 | $2K | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 101 HUNTINGTON AVE STE 401 BOSTON, NJ 02199 | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $827 | $166 | $993 | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $625 | $625 | 7.55% |
| TOPBENEFITS LLC3 | PO BOX 96002 CHICAGO, IL 60693 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $248 | $248 | 2.99% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| 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 | 11 | $143K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $400K |
| Vision(2 contracts, 2 carriers) | HIP, AN EMBLEMHEALTH COMPANY | 556 | $173K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $97K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $42K |
| Prescription drug | HIP, AN EMBLEMHEALTH COMPANY | 11 | $143K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY, A CHUBB COMPANY | 190 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.