| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $0 | $26K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | $0 | $4K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $28 | $0 | $28 | 11.11% |
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 | 1,524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 141 | $2.2M |
| Dental | DELTA DENTAL OF NJ, INC. | 1,449 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,757 | $699K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,395 | $267K |
| Stop-loss / reinsurancereinsurance | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 3,823 | $363K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,806 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,823 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.