| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98K | $0 | $98K | 8.50% |
| CIGNA3 Filed as: CIGNA VISIONCARE INC. | PO BOX 453099 SUNRISE, FL 33345 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $50 | $50 | 0.04% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS INC. | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 18.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA 2 SADDLEBROOK, NJ 07663 | TRUSTMARK INSURANCE COMPANY | $192 | $0 | $192 | 0.72% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $1K | $123 | $1K | 6.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 6.05% |
| EMPOWER BENEFITS INC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $0 | $3 | $3 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $3K | $0 | $3K | 25.00% |
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 | 1,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 177 | $1.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 2,954 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,498 | $195K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,686 | $1.2M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,686 | $1.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,686 | $1.2M |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 1,551 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,954 | — |
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."
No prospect flags tripped on this filing.