| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CAPITAL ADVANTGE ASSURANCE COMPANY | $41K | $0 | $41K | 2.03% |
| M&T INSURANCE AGENCY INC3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE, SUITE 400 BUFFALO, NY 14202 | CAPITAL ADVANTGE ASSURANCE COMPANY | $40K | $0 | $40K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 66 NORTH ROUTE 17, SUITE 285 PARAMUS, NJ 07652 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 8.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 4.03% |
| M&T INSURANCE AGENCY INC3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE, SUITE 400 BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $455 | $455 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DEIGO, CA 92122 | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DEIGO, CA 92122 | HEALTH NET | $390 | $0 | $390 | 4.83% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL ADVANTGE ASSURANCE COMPANY | 144 | $2.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 210 | $65K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 221 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $70K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $70K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL ADVANTGE ASSURANCE COMPANY | 144 | $2.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 221 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.