| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NY | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | UNITEDHEALTHCARE INSURANCE COMPANY | $161K | — | $161K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | NORTHEAST 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $19K | $16K | $35K | 12.08% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE | CO MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $6K | $6K | 1.98% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $9K | $6K | $16K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $882 | — | $882 | 0.85% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $3K | $44 | $3K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | — | $2K | 3.66% |
| MJ INSURANCE3 Filed as: BARBARA FONTI AND VARIOUS AGENTS | 223 WALL ST # 159 HUNTINGTON, NY 11743 | AFLAC | $2K | $10 | $2K | 2.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | AFLAC | $1K | — | $1K | 1.67% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $704 | $10 | $714 | 1.10% |
| PATRICIA RUPPEL3 | 1304 LILYS CAY CIR VERO BEACH, FL 32967 | AFLAC | $454 | — | $454 | 0.70% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $312 | — | $312 | 0.48% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $651 | — | $651 | 6.27% |
| MARSH & MCLENNAN AGENCY LLC4 | STE 2 250 PEHLE AVE SADDLE BROOK, NJ 07663 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $519 | — | $519 | 5.00% |
| PREMIER BENEFITS PLANS INC4 | STE 208E 35 PINELAWN RD MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $257 | — | $257 | 2.48% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $200 | — | $200 | 1.93% |
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 | 441 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 532 | $5.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 532 | $5.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 532 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 441 | $391K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 441 | $287K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 441 | $287K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 532 | $5.6M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 441 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.