| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVESTE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $1K | $57K | 9.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $317 | — | $317 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $317 | — | $317 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY LLC | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | HARTFORD LIFE INSURANCE CO. | $9K | — | $9K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | HARTFORD LIFE INSURANCE CO. | — | $144 | $144 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 521 FIFTH AVE 12TH FLOOR NEW YORK, NY 10175 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 17.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $300 | — | $300 | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Other services; Float revenue; Participant communication; Claims processing; Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE BLOOMFIELD, CT 06002 | $23K |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $594K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $594K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 155 | $8K |
| Life insurance | HARTFORD LIFE INSURANCE CO. | 168 | $74K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 176 | $9K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 168 | $74K |
| Other | HARTFORD LIFE INSURANCE CO. | 168 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.