| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $53K | $0 | $53K | 12.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $480 | $0 | $480 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | ONE HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $980 | $0 | $980 | 11.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | — | STANDARD INSURANCE COMPANY | $687 | $0 | $687 | 10.87% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 216 | $422K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $95K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 219 | $12K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 383 | $15K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 383 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.