| 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 | — | $56K | 8.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $482 | — | $482 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $122 | — | $122 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY LLC | PARK 80 W PL TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 9.57% |
| FNA INSURANCE SERVICES INC Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $675 | $675 | $1K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PL TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $297 | — | $297 | 3.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | NORTHEAST LIMITED 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $27 | — | $27 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.62% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $641K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $641K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 164 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $82K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $7K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $82K |
| Other | HARTFORD LIFE AND ACCIDENT | 170 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.