| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | $0 | $57K | 3.75% |
| BENEFITMALL3 Filed as: BENEFITMALL NY | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $15K | $15K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | $0 | $10K | 6.30% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.83% |
| ELIZABETH ANNE RYAN3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $4K | $173 | $4K | 11.36% |
| IVAN M SERVAIS3 Filed as: IVAN M. SERVAIS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $865 | $36 | $901 | 2.34% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER AND OTHER AGENTS | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $850 | $0 | $850 | 2.21% |
| S BEIN INC3 Filed as: S BEIN, INC. | 8676 SW CARRARA WAY PORT ST LUCIE, FL 34987 | AFLAC | $555 | $0 | $555 | 1.44% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $235 | $36 | $271 | 0.70% |
| GROE INC3 Filed as: GROE, INC. | 108 JACKSON STREET APT 4A HOBOKEN, NJ 07030 | AFLAC | $225 | $0 | $225 | 0.58% |
| ALVARO JAVIER MONTENEGRO3 | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $197 | $0 | $197 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | SHELTERPOINT | $516 | $0 | $516 | 12.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 WESTCHESTER AVENUE, SUITE 102 WHITE PLAINS, NY 10604 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $340 | $0 | $340 | 14.99% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $1.5M |
| Dental | MUTUAL OF OMAHA INSURANCE COMPANY | 108 | $161K |
| Vision | SHELTERPOINT | 93 | $4K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 108 | $245K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 108 | $200K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 108 | $161K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $1.5M |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 108 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.