| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NJ | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | OXFORD HEALTH INSURANCE, INC | $69K | — | $69K | 3.50% |
| TIMOTHY G SEIBERT3 Filed as: TIMOTHY SEIBERT | 13 PINEVIEW DRIVE DANBURY, CT 06811 | OXFORD HEALTH INSURANCE, INC | $3K | — | $3K | 0.16% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22K | $79K | $101K | 94.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34K | — | $34K | 31.66% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.73% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.69% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $178 | $1K | 1.10% |
| REID KLEINMAN3 Filed as: REID M KLEINMAN | 68-64 YELLOWSTONE BLVD FOREST HILLS, NY 11375 | THE PAUL REVERE LIFE INSURANCE COMPANY | $542 | $100 | $642 | 0.60% |
| LOUIS ENRIQUE VARELA3 | 135 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $386 | — | $386 | 0.36% |
| GEORGE THEODORE HARRIS3 | 18 BIRCH ROAD YONKERS, NY 10705 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $4 | $29 | 0.03% |
| JOAQUIN F PRADAS3 | 81-03 229TH STREET QUEENS VILLAGE, NY 11427 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| THOMAS F SHANK3 Filed as: THOMAS F SHANK-ADVANCED BENEFIT | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 8.11% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENE CONCEPTS OF CHERRY HI | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $4K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 344 WEST MAIN STREET MILFORD, CT 06460 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 36.53% |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 342 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $41K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 318 | $71K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 137 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.