| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $251K | — | $251K | 2.30% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BLDG 4 #404A WALL, NJ 07719 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 6.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 4TH FL ROLLING MEADOWS, IL 60008 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 5.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | -$2K | — | -$2K | -1.30% |
| KBC, INC.7 Filed as: KBC INC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NY | $2K | — | $2K | 2.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE #400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 2.98% |
| KBC, INC.7 Filed as: KBC INC. | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NY | $745 | — | $745 | 15.00% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 761 | $10.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 134 | $47K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NY | 297 | $63K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 350 | $159K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 201 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.