| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $139K | $32 | $139K | 2.30% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS INC. | 35 PINELAWN ROAD, SUITE 208E MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $9K | $14K | 7.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $12K | $6K | $18K | 15.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.01% |
| PREMIER BENEFIT PLANS INC4 Filed as: PREMIER BENEFIT PLANS INC. | 35 PINELAWN ROAD, SUITE 208E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | $0 | $1K | 6.84% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 346 REIST STREET WILLIAMSVILLE, NY 14221 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $693 | $0 | $693 | 4.59% |
| EDDIE COBBINAH4 | 150 WEST 225TH STREET APARTMENT 4C RIVERDALE, NY 10463 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $391 | $0 | $391 | 2.59% |
| ERIC L. IMMERMAN4 | 32 LYNDE STREET APARTMENT 1R SALEM, MA 01970 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $262 | $0 | $262 | 1.74% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $176 | $0 | $176 | 1.17% |
| JACK SOARES II4 | PO BOX 1393 NEW BRITAIN, CT 06050 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.18% |
| DAVID SPANGLER JR.4 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.17% |
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 | 489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 821 | $6.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 821 | $6.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $32K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 489 | $296K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 489 | $176K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 489 | $176K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 821 | $6.0M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 489 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.