| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | UNITEDHEALTHCARE INSURANCE COMPANY | $142K | — | $142K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $16K | $15K | $32K | 13.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $9K | $6K | $16K | 16.53% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $3K | $23 | $3K | 3.75% |
| MJ INSURANCE3 Filed as: BARBARA FONTI AND VARIOUS AGENTS | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $2K | $26 | $2K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | — | $2K | 2.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES INC | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 1.93% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $608 | $10 | $618 | 0.84% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIR VERO BEACH, FL 32967 | AFLAC | $608 | — | $608 | 0.83% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $427 | — | $427 | 0.58% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $923 | — | $923 | 10.12% |
| 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 | $430 | — | $430 | 4.71% |
| 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 | $280 | — | $280 | 3.07% |
| A SECURE YOU INC4 Filed as: A SECURE YOU, INC. | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $204 | — | $204 | 2.24% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $4.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $4.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $4.5M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 471 | $331K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 471 | $236K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 471 | $236K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $4.5M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 471 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.