| 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 | $185K | $103 | $185K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $20K | $15K | $35K | 13.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $11K | $7K | $17K | 16.07% |
| EDDIE COBBINAH4 | 150 WEST 225TH STREET, APARTMENT 4C RIVERDALE, NY 10463 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | $0 | $1K | 8.61% |
| PREMIER BENEFITS PLANS INC4 Filed as: PREMIER BENEFITS PLANS INC. | 35 PINELAWN ROAD, SUITE 208E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $765 | $0 | $765 | 4.84% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 63 SALVE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $513 | $0 | $513 | 3.24% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 2 SADDLE BROOK, NJ 07663 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $464 | $0 | $464 | 2.94% |
| ERIC L. IMMERMAN4 | 32 LYNDE STREET, APARTMENT 1R SALEM, MA 01970 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $39 | $0 | $39 | 0.25% |
| JACK SOARES II4 | 28 ONEDIA STREET NEW BRITAIN, CT 06053 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.17% |
| DAVID SPANGLER JR.4 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 13.86% |
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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 798 | $6.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 798 | $6.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $12K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 537 | $365K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 537 | $257K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 537 | $257K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 537 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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."
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.