| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $83K | $0 | $83K | 7.91% |
| CAMMACK HEALTH LLC3 Filed as: CAMMACK HEALTH, LLC | PO BOX 419587 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | 9.57% |
| CAMMACK HEALTH LLC3 Filed as: CAMMACK HEALTH, LLC | 1 BATTERY PARK PLAZA, 6TH FLOOR NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 7.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | UNITEDHEALTHCARE INSURANCE COMPANY | $832 | $0 | $832 | 2.48% |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 708 | $1.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 914 | $367K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 437 | $34K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 676 | $97K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 676 | $97K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 708 | $1.0M |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 676 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.