| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $519 | $519 | 0.61% |
| JEREMY M. STRAUB3 | 1000 CORPORATE DRIVE, SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $4K | $5K | 8.50% |
| HOWARD N. BIENENFELD3 Filed as: HOWARD N, BIENENFELD | 1000 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.93% |
| JENNA BIENENFELD3 | 1585 JEFFERSON STREET TEANECK, NJ 07666 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $38 | $2K | 3.34% |
| MITCHELL BRADLEY STARR3 | 1000 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $121 | $2K | 2.82% |
| BROOKE NICOLE BIENENFELD3 | 1000 CORPORATE DRIVE, SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $34 | $1K | 2.35% |
| RICHARD IRVING KARCHEFSKY3 | 1000 CORPORATE DRIVE, SUITE 700 FORT LAUDERDALE, FL 33334 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $82 | $82 | 0.13% |
| BIENENFELD, LASEK, & STARR LLC3 Filed as: BIENENFELD, LASEK & STARR, LLC | 1000 CORPORATE DRIVE, SUITE 600 FORT LAUDERDALE, FL 33334 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 12.00% |
| DI SPECIALITS, INC.3 | 1120 NE 2ND STREET FORT LAUDERDALE, FL 33301 | MUTUAL OF OMAHA INSURANCE COMPANY | $876 | $0 | $876 | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, NY 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 15.91% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WEST PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 4.51% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE, SUITE 229 WEST PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $130 | $130 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NY 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $693 | $0 | $693 | 10.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $346 | $0 | $346 | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WEST PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $248 | $248 | 3.58% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $85K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $7K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 148 | $90K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 35 | $29K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 148 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.