| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | OXFORD HEALTH PLANS | $216K | — | $216K | 2.48% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.37% |
| THE JAMES B OSWALD COMPANY Filed as: JAMES R. NELLIGAN & ASSOC LLC | 11 MARISSA DR. NEW EGYPT, NJ 08533 | THE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 4.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE #400 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NY | $1K | — | $1K | 2.38% |
| KBC, INC.7 Filed as: KBC INC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NY | $2K | — | $2K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE #400 SADDLE BROOK, NJ 07663 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $832 | — | $832 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE #400 SADDLE BROOK, NJ 07663 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $584 | — | $584 | 3.00% |
| KBC, INC.7 Filed as: KBC INC. | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NY | $866 | — | $866 | 15.01% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 10 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH PLANS | 741 | $8.7M |
| Dental(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NY | 406 | $106K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NY | 366 | $58K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY | 333 | $155K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NY | 282 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.