| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE., SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | — | $9K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR. STE. 200 ST. LOUIS, MO 63017 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 13.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVE. STE. S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST. STE. 800 WORCHESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $878 | $878 | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $670 | — | $670 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $360 | — | $360 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 07663 | ALPHA DENTAL PROGRAMS, INC. | $96 | — | $96 | 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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 310 | $162K |
| Vision | VISION SERVICE PLAN | 129 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $18K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $34K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.