| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | DELTA DENTAL OF NEW JERSEY INC. | $9K | $0 | $9K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159K | $60K | $219K | 9.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87K | $23K | $111K | 13.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $46K | $0 | $46K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.28% |
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 | 4,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 575 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13 | $135K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY INC. | 6,468 | $3.2M |
| Vision | VISION SERVICE PLAN | 3,196 | $456K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,854 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,570 | $831K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13 | $135K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,468 | — |
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.