| 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 | $67K | $0 | $67K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.50% |
| 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 | $3K | $0 | $3K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | PO BOX 28198 NEW YORK, NY 10087 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $55 | $0 | $55 | 11.09% |
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 | 1,747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 143 | $1.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 3,629 | $1.3M |
| Vision | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 46 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,691 | $787K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,192 | $218K |
| Stop-loss / reinsurancereinsurance | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 3,658 | $457K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,750 | $884K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,658 | — |
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.